My daughter uses pay pal and is quite happy with it. I, on the other hand, refuse to have yet another "account" and password to remember and another opening for spam/scam etc. If my credit card is not good enough for the seller, they don't need/want me for a customer. I also refuse to do business with companies that require you to "like" them on a social network to purchase from them or to enter one of their contests. I guess I am just too old fashioned. I understand companies not accepting personal checks (although, they could hold the merchandise until the check clears but that does require extra bookkeeping) but there is no reason in my mind why they insist on pay pal rather than a credit card. I am protected with a credit card. To me, pay pal is just like giving someone access to your bank account whenever they wish.