If you have only a Personal account, you can easily upgrade it:
Log into your PayPal Personal account.
Click Upgrade Account.
On the Upgrade Your Account screen, click Upgrade Now.
On the Choose a Name to Do Business As page, choose either Premier or Business. Choosing Business allows you to enter business information, such as customer service contact information for your business, on the next screen.
When you're done, your account will immediately be capable of accepting payments funded by credit cards .
Should you change your mind, you can downgrade a Premier or Business account to a Personal account only once. If you think you might want to use a Personal account after upgrading, it's best to open a separate account.