The more i read from www.paypalwarning.com the 
angrier i get as i remember the times it has let 
me down. GRRRRRR

I heard that Microsoft have teamed up to form 
something like paypal.  While i think it is 
limited to the US just now i'd still be 
interested in keeping an eye on it when it goes 
international.

Also that site says paypal is losing money...  i 
can't seem to understand how since it spends so 
little on advertising & the money certainly ain't 
going on customer service so how on earth??!!

Anyway seems some of the rules with paypal is:
(1) Don't give them your bank details
(2) Withdraw any significant sums of money from 
your acct
(3) Give them as few details as possible.. ie 
don't be rushing to add all your credit cards on 
file.
(4) Know that your credit card company is most 
like to be more helpful than paypal.  But if you 
do get your card company to do a chargeback make 
sure are not gonna need that paypal account 
anymore since paypal will usually suspend you.
(5) From first hand knowledge on several 
ocassions i can tell you that buyer protection is 
a load of poop. If they rule in your favour then 
they will attempt to recover your funds from a 
seller who has at this point had ample time to 
withdraw all paypal funds..
(6) To be covered by their crappy protection in 
the first place, as a buyer you need to send to 
Verified members only.
(7) As a seller you are not covered if you ship 
to unconfirmed addresses.

Yes i moan but i still use them.. grudgingly..