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No default option on this currently and will require code modification to implement.

If you are comfortable with codes, you may check the form-listing.php as it is where the listing form is...

Hi,

I think your paypal account is personal. Try to upgrade it to business account.

BTW, you can add up to 8 different email per one single paypal account. Let us say one email for each...

You may check on these threads;

http://forums.appthemes.com/post-ads-without-registration-12061/
http://forums.appthemes.com/post-ad-without-registration-6813/

No, you don't need to go to 3.0.3 first, you can go straight to 3.0.4 - You should still check out the upgrade instructions for 3.0.3 though, as there is an important note about saving your widget...