I have been using PayPal for nearly a decade now. During that time I have sent money, received money, requested money, sent invoices, created subscription and buy now buttons as well as used other features. I find the site/services easy to use. I most often use PayPal to pay for items online, send friends or family money if they need it fast, track payments (work and online sales related), send invoices, and manage disputes. There are two things that I didn't like: (1.) if there's an issue with your account they can and will freeze it holding all of your money until the issue is resolved (while this has not happened to me I've seen it happen and that's scary) ----> (2.) They required me to provide my social security number in order to withdraw more than $500/month of my own money; I felt that was rather ridiculous considering they make money on everything. But given the sheer amount of people that use their service and that they have to cover their own asses I figure it was inevitable. Overall I'm satisfied with what I can do and how the site/services run.