There are 3 account types on Paypal: Personal, Premier, and Business. A natural person will usually have Personal or Premier. Personal accounts cannot receive payments funded by credit cards. This restriction tends to force non-consumer use of Paypal into a Premier account. In particular, eBay sellers must use Premier accounts.
Of note: previously, Personal accounts did not charge money for receiving payments. Almost no one uses Personal accounts to receive payments, because they cannot take payments by credit cards, cannot be used on eBay, and cannot be used with APIs (last time I checked). Premier accounts have always charged money for receiving payments.
What changed: when you send a payment, you have to specify what the payment is for. There are a few options:
Payment for: Services, Goods, eBay Items
Personal payment: Gift, Payment Owed, Cash Advance, Living Expense, Other
Here's the change: if the sender codes a payment as one of the three "payment for" options, the recipient gets charged. This is unremarkable for 99.99% of people receiving payments on Paypal, because they've had premier accounts for years (to receive CC payments), but it inconveniences people who were using Paypal to receive payments funded from Paypal balances.
Note: You can still receive payments, for free, if they're both funded from a Paypal balance and coded as Gift, Payment Owed, etc.
