Do you have a personal,business,or premier account? I've been using a personal one for a long time and have done 15 auctions with no fees on ebay from paypal. Then all of a sudden I receive a debit card payment and apparently personal accounts can't accept them. The automatic email I was sent told me that the only way to receive this payment was to upgrade to premier so I do it. I accept the payment now of $13 and some change only to find that I'm charged 0.70 to receive it. Wow are you serious? So I look it up and yeah, they get 1.9%-2.9% per transaction + .30. So do you find it to your advantage to have one account over the other? I'm considering downgrading, but I lose these options apparently if I do: * You can downgrade only once from a Business or Premier account to a Personal account. * After you downgrade to a Personal account, you can no longer use the PayPal Debit Card. * Fee adjustments or refunds on payments received are not available. * After you downgrade, you won't be able to use Website Payments products or use PayPal as an Additional Payment option Everything off that sounds fine but I don't quite get what the last one says. EDIT: It appears I can have a premier to accept credit card payments and a personal to receive already existing balance payments.Is there anyway of making it so that cc payments go to the premier account and all others are sent to the personal?