If you accept credit cards via PayPal, then you're not getting PayPal for free. Take a look at your account. You can spend on PayPal via a credit card and it doesn't cost you. But if you sell and someone out there with PayPal wants to put their purchase on a credit card instead of out of their bank account or out of their PayPal balance, it is going to cost you. You'll get a message saying you need to upgrade to a Business or Premier account in order to accept that payment.

SRS