What's the difference between Merchant and Premier accounts?

[AverageGuy]

I'm working on putting up a membership signup sheet for a small club and wanted to have the option of allowing users to pay via paypal.  It's not letting me, telling me I need a merchant or  premier account.  Now this is a small club and probably an even smaller set of members that would use paypal.  Is there any monthly charge or minimum payments?  Since it's possible no one will use it I don't want to commit to an expense if it's not used or used very little.

Thanks,

Jim.

[dlcandles]

PayPal encourages Premier or Business Accounts and you will be obligated to switch to a Business Account no matter how big or how small your business (club) is.