I love using Pay Pal. I think they are the best. I love using Pay Pal for online purchases from eBay. If I don't, I find I worry more over my purchases until they come. I usually buy 10-15 things from eBay a month, and Pay Pal comes in handy. I love using them a lot. I think they are the best, except I think they still have problems. I am not use what all, but I think they are finally getting their act together. Pay Pal is free is you have a basic account. If you sell on eBay, you have to upgrade to another account.