Ron, the advantage with PayPal is that you can send money to an individual that is not a "business" and therefore has no possibility to accept your credit card. I agree, credit card is the best thing when paying. But when sending money to another individual in another part of the world you have limited choices: - Bank transfer (Costly and slow) - Western Union (Costly) - PayPal (Free after you paid the initial $1.95 fee) I know which method I prefer if credit card is not the option.