shishir i do have a personal account but i haven't verified that coz i don't know whether "verified personal accounts " are charged transaction fee too or not.. :? if you know please tell..so that i can go for a verified personal account instead of a verified premier account..but the problem will be remaining there for those sites which pay me through my "verified personal accounts" only..no problem here as its only email id which i have to give and i can add that to my personal account instead of premier..but not sure about that feature of personal account so not using it..please tell..thanks..i really need to change i guess