I have used PayPal for about a year now and it has been nothing but great for me. I use it mostly for purchases on Ebay. I really like that it stops me from having to give the seller my credit card number, and can just transfer the cash from my bank account to the seller. It is also great for sending money between friends that no longer live in the same state. I have had no problems with it and really like using it for all of my online purchases.