most of people used paypal for their on-line businesses but they have 2 major problem with paypal first paypal act like bank but never follow any banking regulation, paypal can freeze your account without any explanation and the 2nd problem of their charges, when they first time freezed my account i contacted them they gave me nearest their office no i called their n problem got solved but then again n again the same problem. i start looking any alternative there i found this opportunity its work quite good for me. its free and save its work like bank under USA laws. http://www.merchantinc.com/ please check all terms n conditions for your safety