AlertPay is a good alternative. Fees are a bit high, but there is no such thing as a "limited" account, unless you send/receive fraudulent funds of course. The

AlertPay is a good alternative. Fees are a bit high, but there is no such thing as a "limited" account, unless you send/receive fraudulent funds of course. The problem is that AlertPay is not accepted by many online services. Once that is solved, I believe that it could probably compete with PayPal.