heyas; no, ghost, it's bbay. for security, they want photocopies of both sides of your credit card, for you to be 'verified.' for paypal, you have to enter your credit card info so they (paypal) can verify your (billing) address. if you dont, then you are an unverified paypal user, and they recommend people hold your orders for 3 days til payment goes through. some people can refuse to accept payments from unverified paypal users -- bbay also chooses this option, so if you use paypal but dont have a credit card, you can forget that, too. at least they still take money orders, if not personal checks. it DOES seem they try to make it very difficult for anybody to buy anything. their reasoning is that when they started, they suffered from a lot of credit card fraud and chargebacks. why anybody would pick on a tiny company like them with that is beyond me. but there you have it. personally (and not to go off on a personal rant, but...) i think bbay and other download-item vendors ought to go to the credit card companies and say, 'look, stupid; you can't process chargebacks on our stuff, there's no way for people to return our merchandise.' if its any consolation, they processed my money order payment very quickly as soon as it arrived. but since you think 24 hours is a long time to wait for something, i guess that's no consolation. :)