PayPal Question That Had Me Thinking...

[CrystalLake]

I didnt want to go off topic in the initial post, but in the trading section, someone posted:

Paypal balance or checking only please. No cc or debit accepted (too many fees )

Now, on my PayPal account (Premier Verified), whether they pay with their balance, checking account, or credit card, I am charged a flat 2.9%. Does this mean they probably have just a basic Personal account - where they are charged differently?

I understand the perk of having the buyer use the PayPal balance, or a checking account, because it limits the ability of reverse transactions you can do. Ive seen people in the past just call their credit card company and reverse the transaction made to PayPal, therefore getting their money back from the transaction.

Thanks.

(and please, no "I hate PayPal" posts )