Recently I wrote about losing a friend of ours. Leaving behind such a young family and naturally having concerns for the initial financial issues that his family would potentially face, we had a collection on a forum for them. I arranged this using my personal PayPal account, and posted up a donation link for donations to be made.
Now I have two PayPal accounts (don't worry, it's allowed!). I have a business PayPal account which accepts credit/debit card payments, and all income received is charged a fee unless it comes from a payee who's paid to waive the fee (usually from somewhere like Text Link Ads that do bulk payments). I also have a personal PayPal account to accept donations off my site towards the use/upkeep of plugins, help given to people etc. and also it means that I can easily test PayPal scripts such as an IPN, on client sites. I use my personal account to make a payment to my business account. It avoids the potential of never getting a refund from the client (yes this has happened before!). In fact it's what PayPal advises.
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