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Using a PayPal Personal Account for Selling
- You can receive money from buyers.
- You can send invoices or payment requests.
- You may use the “Goods and Services” option for some protection.
But there are important downsides
- Fees still apply when receiving payments for goods/services.
- Limited business features (no advanced reporting, branding, or integrations).
- Higher risk of account holds/limitations if you sell regularly or in larger amounts.
- It may look less professional to customers.
Better option: Business Account
Upgrading to a PayPal Business account is usually the smarter move if you plan to sell consistently:
- Lets you operate under a business/store name
- Offers invoicing tools and payment buttons
- Better support for e-commerce (Shopify, WooCommerce, etc.)
- More credibility with buyers
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