True, but you also have to consider that Paypal is a huge company and you will see lots of complaints. What you don’t hear about is the millions of successful transactions they process every day. Merchant account providers aren’t necessarily better… believe I have one I am happy with now, but I had to go through several slimy ones first. They also have bad marks on BBB, but these merchant account providers don’t have the scale that Paypal does.

We decided not to use Paypal (the company) as a merchant account provider (Paypal Website Payment Pro) because their fraud detection is too strict for international transactions. But we do use Paypal to accept every day for as long as we’ve been in business.

I personally would not use PayPal as my “merchant provider” and would instead use a combination of Authorize.net and a Merchant Account provided by my bank.

Again though, from a perspective of “what type” of PayPal account I would use (and have found to add to payment options during checkout) I would recommend the standard “free business” account. It works very nicely.

If you’re a small vendor, people don’t want to give you their CC details. You simply MUST offer Paypal (or at least Google Checkout).