Carol,
I've been a BIG proponent of PayPal, having convinced many sellers into accepting my payment (and thus earning me a $5 referral fee in the process). Their whole shtick was that they could do it for free, and even offer the $5 referrals because they were making the interest on all that money floating out there. As you know, when a seller directs a payment to check or bank transfer, there is a delay of 3-7 business days... Either their business plan was faulty, or they planned all along to do this - EVIL!!! Just another bank SCAM!!!
I won't be using their service any longer - back to cash/check and snail mail!
Keith