I see this & thanks for pointing it out. I see no need to upgrade. Upgrading costs money, right?
Actually, I don't think it costs you a fee or anything to upgrade. From memory when I upgraded to a "Premier Account" for WFO to accept credit cards on banquet payment it meant I got a different amount taken off the top of each payment depending if they paid from the checking account or if they paid by credit card.
I can't remember the exact rates and terms, but here's my experience:
$85.00 would have $2.77 subtracted normally if the payer did it from checking or other non-credit source. If they paid by credit card $3.62 was subtracted.
For the convenience I just factored this in and didn't make a big deal about it with all the WFO folks.....like I didn't make a big deal with our Canadian friends. They charged an extra 50 cents or so for currency conversion. There were also a few times that less than $2.77 was taken out...and I'm not exactly sure why.
PayPal does skim a healthy profit....but they are very convenient. I hated processing the dozen checks I got.