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If you have a “Personal” Paypal account, you can accept $500.00 USD monthly and up to 5 credit or debit card payments annually. Credit cards are charged a transaction fee of 4.9% plus $0.30 on your Personal account. So you can accept payments from your friends (paying restaurant tabs and the like) with your personal account without incurring any of those annoying fees as long as your friend is paying you from their Paypal balance or an echeck. It can be a bother to maintain 2 Paypal accounts but you can end up saving over $150/year in Paypal fees!