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PayPal Inc. has changed the way it charges users, basing its fees on the reason for the payment instead of the type of account, reports American Banker, a CardLine sister publication. In a June announcement, the eBay Inc. payments unit emphasized it no longer would charge business users for person-to-person payments. The flip side of that announcement, which only recently has come under scrutiny, is that PayPal is charging personal accounts for business transactions. PayPal previously imposed charges for all transactions on business accounts, but only some payments on personal ones; consumers sending payments from a PayPal account now must classify their transactions as either a personal or a business payment. Those classified as personal incur no fee (unless paid by credit card), while those classified as business incur the fees PayPal typically has charged to merchants. The change means there is little now to differentiate business and personal accounts. "There is no difference anymore," says Charlotte Hill, a spokesperson for the San Jose, Calif.-based company. "If you're a PayPal customer, you're a PayPal customer." Heinz Waelchli, PayPal director of product marketing, wrote in a June 19 post to PayPal's blog the company made the change to make it "easier for you to send and receive money between your family and friends," but he did not explicitly say some users might pay more under the new setup.