I've read enough "horror stories" about bad experiences with PayPal that I was extremely reluctant to use the svc. I do know one online merchant (whom I used to beta test for) that had to close his online store when PayPal abruptly reversed ALL the payments they'd made into his checking account to "investigate" some customer complaint and dragged their feet for over 3 months before resolving it. He had checks bouncing right and left, and severe financial problems as a result. If you do use PayPal, make sure you set up a special checking account (I use a free one from Washington Mutual), and just keep a nominal amount in it - xfer funds into your "real" account whenever it exceeds $100.00 or so. Seems the only prudent way to protect yourself from their arbitrary policies. I've not had any problems personally other than the one secondhand experience, but I only use them for really exceptional products at sites that have no other payment options. . . . just my 2 cents worth . . .