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If you are a webdesigner and you are selling your services to people, corporations and so on...what kind of payment service are you using to charge your clients? I have two options in mind - Paypal personal account and Paypal merchant (business) account. I know that the only difference between them is that with the second you can create invoices for your clients. Am I right? Which one would be the best to choose to integrate on my webdesign website?