PayPal only makes sense if you're pretty much 100% sure as a vendor that you'll never receive a fraudulent payment. If you do receive a fraudulent payment then the PayPal nightmares begin where they can freeze your account while they investigate and, if you're lucky, it'll eventually get resolved. If not you're pretty much subject to their whims. The only way I'd ever use PayPal is if it wasn't linked to my bank account and every time I received a substantial amount of money, I'd immediately have them issue a *check* to me... not EFT because PayPal has been known to go out and grab any money they think they're entitled to from your account if they have your bank details. And if you count the time to get the money from the customer and into your PayPal account AND the amount of time to get a check from PayPal, it would've been faster to charge the customer's credit card.

I prefer credit cards as a customer and as a vendor. If I get a fraudulent transaction, it gets charged back and that's pretty much the end of it (unless I have an absurd number of chargebacks). And if I, as a customer, give out my credit card and it's abused, no problem... charge back the disputed charge and get a new card.

Regards,
Craig Steiner