I don't think you need a business account. But your linked card must be set up to receive automatic transfers before you can start accepting payments. https://www.paypal.com/sg/webapps/mpp/ua/recpymt-full To check if your visa card is set to receive money go to edit or add your card and make sure that the automatic transfers option is enabled. If you still face the same problem after that, upgrade your account to a business account and try again.
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