Ive been using Paypal for over a decade. I had to close my account due to someone hacking into it. Paypal was the first to contact me as soon as they noticed the discrepancies in my account. Ive been back with them for about a few years. It has been smooth sailing. Paypal is easiest way to pay merchants,bills & send money to friends & family. It is accepted at stores,in online orders,internationally,ect. And not to mention being able to apply for Paypal credit. Extra money always a plus.