I was a bit hesitant to use paypal. I initially set it up to recieve funds and when I wanted to request funds it asked me to add by bank account or a credit card to it. I was a bit hesitant to put my bank account information on a website. But things turned out to be okay. I got my funds and there was no tampering with my account. They do charget fees though to transfer money to you either through a check or to your bank. I guess it is an efficient way to do business online, because at least you can trust paypal.