I used to like PayPal a lot. Still do mostly. I have two things to say -- one good, one bad:

(1) THE GOOD -- I used to encourage people to join PayPal with this pitch:
PayPal is wonderful. I recommend it wholeheartedly. You should try it. It is great for
at least four reasons:
(1) it is quick, easy and fun;
(2) it is free to both the buyer and seller;
(3) it seems very safe to me. PayPal has all sorts of insurance guarantees, as does your
credit card. It is backed by major investors (just look at its web site). It has 3.5 million
customers and is the biggest e-Finance site on the internet. And best of all, only PayPal
gets to know your credit card number. Neither the buyer nor the seller knows the
other's credit card number! PayPal will also ask your bank account number to verify the
information and address you give PayPal, but don't let that worry you -- after all, every
check you write has your bank account number on the bottom of the check; and
(4) another great thing about it is that if you register using someone's referral, then each
party (you and me, for example) gets a $5.00 cash gift from PayPal.

Getting back to PayPal, there are a number of ways to register with PayPal where we
each get the $5.00. One way is if you register after clicking this referral link:
https://secure.paypal.x.com/refer/pal=chipe%40ix.netcom.com
(I don't know why this link does not fully come out; if you want to join PayPal through my referral, copy-paste the link, etc.)

(2) THE BAD -- Have any of you sellers experienced this? Recently PayPal told me that since I had credit card receipts of over $500 in a six-month period, I had this choice: Either (a) receive PayPal transfers from senders' PayPal cash accounts for free; that is, I am not charged for accepting this type of payment; or (b) receive PayPal payments from the sender through his credit card payments, for which PayPal would charge me close to 2%. (It seems that PayPal must pay Master Card or Visa if credit cards are used to send payments, but PayPal makes money (from not paying interest for the float or holding period) when a member lets money sit in his PayPal account, either from receiving payments from others or getting wired transfers from his local bank account.)

Robert