From my experience business accounts more hard to run. If business account go limited paypal can ask you additional documents like business certificate, taxes etc. Also if you have business account better to have real website with products. And you need a way always provide tracking information. If you selling digital goods you always fail any dispute.
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Personally I find business accounts can take much more than personal accounts. My business accounts are solid and have had far fewer issues than personal. There is also untold positives to going business (you learn this with a business account).