Thanks everyone for your repsonses so far. Bob had posted "uses pay-pal for the online part of her business, 2.5% and .35 per transaction. Good rate for what they offer. When I did the set up it was very easy. No problems to this point." Sounds like a good review of paypal. If anyone has used it and found they didn't like it for one reason or another, can you please expand on why you didn't like it?