ericliujian /Yudeli, thanks for the advice.
Even if it counts, the limit is 20000 in amount AND 200 transactions. If you
do $4000 per month, that is 8 transaction per month. For 12 month, you have
$48000 in amount, but only 96 transactions. And so I think that is fine.
Even if you do two accounts, that is still under 200 transactions, assuming
you don't get other payments.