I can't comment on the OP, but in addition to the "normal paypal stuff" that paypal does and that we are all familiar with, paypal also has a standard bank-styl

I can't comment on the OP, but in addition to the "normal paypal stuff" that paypal does and that we are all familiar with, paypal also has a standard bank-style card processing unit called "payflow". Rates and policies and fees are very, very good with payflow - they are very competitive - and it made very good sense for us to move from a traditional card processing setup at wells fargo to paypal for this. We made that switch three years ago and it's all worked out very well - and it saved us a lot vs. wells fargo, who was doing all of the "normal" merchant/bank/processor tricks that distort the costs a lot.