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Pay It Now option and PayPal Account type???

Hey,
I have PayPal Personal Account and when I tried to post listing, I got Auctiva error message saying,

"You need to upgrade your PayPal account to Premier or Business
 to require an immediate payment.
 Go to https://www.paypal.com/ca/UPGRADE or turn off the
 immediate payment requirement for this listing"

Is this normal?

Do I have to have an Premier account in order for me to list with Pay It Now option or eBay Store option??

Pleasae let me know.

Thank you
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