I like PayPal. I'd avoided it for years until a member here sent some money for a software package I'd mailed to him. Now that the account is established, it is remarkably fast to use, and is great for individuals who want to transfer funds to other individuals. A few years back, a kid in Spain bought a complete mint set of Antiquities Magic cards from me. He had to use Western Union, and I had to find one of their offices. It cost him an extra $30 or so (I tucked a few extra cards in the box to mitigate that) and about 3-4 days of emailing to get set up. I had to drive down and pick up the money in cash and then go to the bank. What a hassle! I just won a couple things at auction, and within a few minutes of reading the notification, the money was transferred. Slick. Yes, there is a risk. But walking through a parking lot with a few hundred dollars in the purse is risky, too. Carolly