It used to be you are able to receive credit payments via your personal account (at a higher fee as oppose to to premier account) at paypal. That is not so nowadays. I just received a payment from a client who paid me via credit card to my personal account and Paypal is asking me to upgrade to receive the payment. I had to deny the payment and ask my client to pay me to my premier account instead. While checking at the site i found this..
** Personal accounts may not receive payments funded by credit card, debit card or Buyer Credit for eBay or eBay Express transactions without upgrading to Premier or Business accounts.So take note ya.. Click here to find out more about personal and premier account at Paypal