Yeah PayPal has its own problems of course such as the horrible service like you mention. I had a payment dispute once where neither the customer or the seller (me) had an issue, but PayPal had automatically flagged it as suspicious for reasons they wouldn't specify. Mind you that was 1 problem in several hundred transactions, so it wasn't too bad for me overall. I just think $50/month would be hard to bear when you've got PayPal in the same market at no monthly fee and a lower rate.