Should I switch to merchant account? I go through about $200-$1000 of micro transactions a month through my Paypal and am wondering if it's time to upgrade my microtransaction fee system to a merchant account? I am a verified member and I'm wondering what the benefits are to being a merchant. Basically throughout the month I get small transactions $1-$20 from service buyers and paypal fees are about 6-10%. Wondering if the upgrade is worth it.