I'm doing a donation function where people can just donate money using their credit cards to individual paypal account. what i want to ask is this, if the paypal is not a business account, the coding of the fields, is there any difference? or is it possible to directly deduct the money from the credit card and transfer it to the person's account?

i try this form to get to the paypal account

$form = "<form name= 'formName' action='https://www.paypal.com/cgi-bin/webscr' method=post>";

$form .= "<input type='hidden' name='cmd' value=' xclick'>";
$form .= "<input type='hidden' name='business' value='$email'>";
$form .= "<input type='hidden' name='item_name' value='$item_name'>";
$form .= "<input type='hidden' name='currency_code' value='USD'>";
$form .= "<input type='hidden' name='amount' value='$amount'>";
$form .= "<input type='image' src='http://www.paypal.com/en_US/i/btn/x-click-but01.gif' name=submit alt='Make Payments with PayPal - it's fast, free and secure!'>";
$form .="</form>

and this could not show the page where the person enter in details but instead it show this error message


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