As far as I know (which isn't very far!) the Paypal horror stories are mostly old now, and a lot of it seemed to be user error and drama queen squalling. I have had at times as much as $4000 in my Paypal account, and for days/weeks at a time, waiting for exchange rates to drop :) Hey, if the Aussie dollar would sit at .53 forever I'd be happy LOL 2checkout .. I'm opening my own store soon (if Daz ever stops making cool new characters for me to model for, which leave me no time to do anything else!) and 2checkout was the only one I felt confident using. I have received email from them quite promptly so I know there are some humans behind the email addresses :) Plus, my shopping cart software comes with a module for 2checkout (and Paypal IPN), so that was also an incentive to investigate them as an alternative. Of course, I'd be happy to be a Paypal only store, as you can use your credit card to purchase through Paypal if your cc is linked to your Paypal account, but figured the -alleged- horror storied surrounding Paypal tends to scare a lot of people off, and like you I want to be able to offer my potential customers choices :)