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A personal account is fine, as long as it is "Verified", IE: You've linked it to a bank account at PayPal's end.

The "Premier" account at PayPal, as I recall, is aimed at merchants who want to be able to accept VIsa and Mastercard payments, and other stuff related to selling stuff to others and collecting profits via PayPal. But none of that is at all necessary for using PayPal to buy L$ or to cash out L$ in SL.

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