What is the difference between the Standard and Business accounts in PayPal?

The differences between the Standard and Business accounts are as follows:

PayPal StandardPayPal Business
Should I have a US based PayPal account?NoYes
How much will I be charged as transaction fees?% of the amountFlat Fee of 50 cents
Should my customer have a PayPal account too?NoYes
Can my customer pay via credit card?YesNo
Will I receive the payment instantly?YesMay be delayed for eCheck payments
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