Geoff said:
Paypal is pretty bad... I'm scared of it after reading paypalsucks.com
Be careful when reading those sites. Many are simply set up with affiliate links to another random card processor.
Take paypalsucks.com for instance... they are recommending 995merchantaccounts.com which according to that website is Card Service International.
Do a search for Card Service International on google. They are a major player in the processing arena and they have a referral program...
http://www.cardservice.com/why-partner.aspx
Sooooo... back to the google search... you'll also notice that the following URLs point to their services:
[snipped]
http://www.cardserviceonline.com/
(and MANY more)
You get the idea... these are all people trying to make a buck selling referrals.
Not a bad idea, right? Create a blahblahsucks.com site and point people to another service and make $$ on every click. Not a bad idea at all.
If you dig a little deaper, you'll find many complaints against this company also (like
http://www.consumeraffairs.com/business/cardservice.htm).
Bottom line is most of the stuff on paypalsucks is from long ago and paypal has been a much better company since ebay bought them. Also, many of the people complaining about frozen funds were the people that continued selling porn with paypal after paypal got out of that business.
If you're looking for a cheap processor with integrated USPS shipping, it's a great option. I use it for a number of different things. I get charged 2.5% + $0.30 per transaction. Then I use the PayPal debit card to purchase inventory (using the money that is immediately available in my account) and I get 1.5% cashback on the spot. So in the end, I'm paying 1% plus $0.30. Where can I get a better deal?
I've had the account for 6 years and I've never had a single issue or chargeback.