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Very interesting and makes life much easier.
On a similar note, there is a PayPal Developers Conference in New Orleans. It's too bad they chained it to the ebay conference, but worthwhile non-the-less.
I really like the PayPal model though - everything is HTML form based, using hidden parameters to send the appropriate information. It was very smart since no external components are needed.
LOL. Sounds pretty familiar.
PayPal has one of the best documented payment APIs, IMHO.
I have 2 paypal accounts to do testing, one for business and one personal. Each account has to have it's own bank account and email address. As soon as you buy something from yourself, you are able to go in and do a complete refund from the business account. Your payment goes back to the personal account and transaction fees are refunded to your business account. I have run small payments through all day and never had a problem. When you open the personal account, you do have to verify it before you can send payments.
Hope I helped,
No you are allowed to have a business and a personal account. They just want two different email addresses and bank accounts. I use my regular email for my business and a hotmail for my personal. Both are under my name and address. One good thing is you can try setting up accounts and it will tell you what you did wrong. Like another account is using this bank account, email address, etc. So I would just try it out. Just be sure you verify the new account wants it is set up or it won't let you send money from it. It's simple, just can't remember exactly what it was.