I am very sure you are wrong (that, or I'm misunderstanding what you are saying as something more subtle about the account and not about the payment: you definitely can receive payments made by users using credit cards with this rate; it would be entirely useless if that weren't the case, as frankly ACH is too slow to use for a purchase transaction, and I think sane merchants just disable accepting such payments--what PayPal sometimes calls "eChecks"--to avoid confusion).