What type of PayPal account do you have for mylot?

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I am just wondering, what type of PayPal account should I have in order to receive payments from Mylot and the rest of my online jobs? At present I have a personal account. However, I read in their Help pages that I can only accept up to 5 credit card payments per year for this type of account. Are all these online jobs use credit card to send us money? How do they pay us by the way?