[eluser]einsteinity[/eluser]
if you will receive the payment for business purpose, i think it will be better to upgrade it to business account. i think personal account is not suitable for business purpose and there is a possibility that your paypal will set a limit your paypal account's access.
i am not saying that using personal account is not allowed to receive payment, but if you want to avoid the limitation, it will be better to upgrade your account type.