A personal account is fine. The fees to set up the account (unless someone gifts one to you) are $5 for the account, $35 for the Electron card and a minimum of $5 to load onto the card. They charge $5 per year to renew the card.
Sponsors can pay you via ePassporte and it costs you nothing unless they charge you a fee -- ePassporte does not charge you for receiving funds in a personal account. You can pay someone with a personal account and it costs just twenty-five cents for the first 5 transactions.
If you want to load funds to your account to pay someone for something, it can add up as they charge 5% per $100.
You will also get a free Virtual Visa card you can use online to buy whatever you want, if they accept it.
http://www.findpassportesponsors.com has about 150 sponsors who pay via ePassporte