If you look at their fee policy, the current distinction is between personal transactions and commercial transactions, rather than between personal accounts and business/premier accounts. If you use your personal account to sell merchandise or services or other non-personal transactions, you will be charged a fee. As a seller, you can get their special lower "merchant rate" if you do >$5000 worth of sales a month and have a Premier or Business account. And as I understand it, part of the reason for the new fee structure was that people were doing business using their Personal accounts, trying to evade the fees. Really? Because they don't provide all their services for free?
I give up... Too many people playing businessman with no experience or understanding of the incidental costs involved in doing so. No wonder they make it so hard to get a "real" merchant account... Thank God for that.