I have ups and downs with Paypal. I enjoy the ability to easily send and receive money. However, I hate all the extra fees that I have to pay now, especially in order to use ebay. No one will buy from a seller who does not accept credit cards through Paypal. Unfortunately, this means you lose a percentage of every transaction. This can really add up over time. However, there are very few competitors to paypal right now, so you don't have much of a choice.
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