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In general, I am happy with using paypal business account, but the only drawback is that they send the draft by ordinary post, so at times there is a lot of anxiety. They do not have EFT or courier service.
Normally, i let some payments get accumulated in paypal, say about $400 or so, then request a check to be send to me.
I am not using the paypal link or button on my website. Instead I simply send an email request from the paypal website after asking my client about his paypal email id. This makes the things simpler.
They charge about 4% per incoming transaction and a flat $5 per check they send to us.
I hope this helps. :)