why do you force people to have a business account w/ paypal? How do you know if it's personal or business?

Hi,

Are you referring to your setup in the Payment integration?

If you are selling or collecting payments, you need to have a Paypal Premiere or Business account type, please check the support pages from Paypal here: 

https://www.paypal.com/ph/webapps/helpcenter/helphub/article/?solutionId=FAQ2258&topicID=&m=ARA 

https://www.paypal.com/us/webapps/helpcenter/helphub/article/?solutionId=FAQ2347 

To learn more about payment integrations, please refer to this guide: http://www.jotform.com/help/323-Mastering-Payment-Form-Integrations-with-JotForm 

I hope that helps.