Actually there are 4:
PayPal Website Payments Standard (also known as PayPal IPN)
PayPal Express Checkout
PayPal Website Payments Pro
PayPal Payflow Pro
The last two require a paid monthly subscription fee, because they are used to collect credit card info directly on your site as any other CC gateway would.
As for "allowances", you'll need to clarify what information you've read, as it's unclear what exactly you're saying is allegedly changing at PayPal.




