Hi Marina,
Using your own PayPal account to accept payments is absolutely fine initially. The only thing you may find is when people get directed to the payment page it can be a bit off putting for customers as people may prefer to deal with a business account for peace of mind.
Use your personal account but at the same time get the ball rolling with a local bank, setup your business bank account and then get a PayPal account dedicated to that business account with your logo etc linked to the account for customers to see.
You will only need a bank merchant account when you are ready to start accepting card payments.
Hope this helps,
Elliot