I have to say that I've used PayPal now consistently for about 15 months steady receiving gig money anywhere from 10 cents to hundreds and not one time have I had a big problem. I receive payments from some overseas companies and the pay in pounds. The funny part is you see your bal and it says in my currency $5 but by closer inspection it's 1 us dollar and the rest Iin lbs so it has to be converted and no problem or hesitation PayPal converted it to us currency! All this for a fee of 0. Now that's truly awesome! The PayPal for paying it forward in a place that was needed!