X-Cart forums - Paypal announcement: important AMEX update

This says that it is only applicable to "Restricted Merchants" and makes no mention of other online shop categories. Seems if you use Website Payments Pro and are NOT in these categories, you should not be affected:

Airlines & Air Carriers
Bail and Bond Payments
Direct Marketing √ Inbound Telemarketing (internet √ electronic delivery internet √ adult entertainment internet √ online gambling)
Court Costs
Consumer Credit Reporting Agencies
Debt Collection Agencies
Financial Institutions √ Automated Cash Disbursements
Financial Institutions √ Manual Cash Disbursements
Financial Institutions √ Merchandise & Services
Fines
Railroads (freight)
Betting & Gambling (including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks)
Government Service
Local & Suburban Commuter Passenger Transportation
Massage parlors
Non-financial Institutions √ foreign currency, money orders (not wire transfer), script, and travelers▓ checks
Passenger Railways
Petroleum & Petroleum Products (wholesalers)
Postal Services √ Government
Securities √ Brokers & Dealers
Dating & Escort Services, Strippers (i.e., anything sexually explicit; payment of potentially sexually related services)
Tax Payments
Timeshares
Tolls & Bridge Fees
Wire Transfers & Money Orders

Maybe I read it all wrong, but sounds like most people selling goods online won't have to change anything?