Paypal

I have been using paypal for more than 6 years.

Paypal is very convenient if you buy/sell 2nd hand products online. It's pretty secure if you use it correctly. For example, once I bought a rather expensive thing, and the my credit card company called me to confirm the payment. You can say that it is the credit card company which did a great job, but then I would also say, it works perfectly together with paypal. I never got any problem about paypal within these years.

Paypal has quite a heavy charge. To help to lower this charge, I have two paypal accounts. My first account is a personal account, with this type of account, you can pay by using your credit cards and they will charge you nothing. You can receive money from other without paying to paypal as well, however, that limits to fund which is already in paypal, i.e. non-credit card fund. So, I usually use this account to receive money of this type and I won't withdraw money (i.e. transfer to your bank account) out from paypal so that I can use the balance whenever required.

My second account is a Premier account. This kind of account will be charged by paypal whenever you receive money from any one. However, this is the only way to receive credit card fund, so sometimes when I have no choice, I will use this account. So if you are an active seller of 2nd hand stuff, or an active ebayer seller or something alike, this kind of account is a must.