Way, way back I had similar sorts of problems with PayPal. I was an early adopter of internet commerce but I got my fingers burned several times when companies

Way, way back I had similar sorts of problems with PayPal. I was an early adopter of internet commerce but I got my fingers burned several times when companies made unilateral decisions against me and provided no simple means of contact between me and them. I now refuse to use any super-duper payment system that does not have my bank as a buffer between me and them. Call me a Luddite if you like. But I feel happier.