I can&#x27;t comment on the OP, but in addition to the &quot;normal paypal stuff&quot; that paypal does and that we are all familiar with, paypal <i>also</i> has a standard bank-style card processing unit called &quot;payflow&quot;.<p>Rates and policies and fees are very, very good with payflow - they are very competitive - and it made very good sense for us to move from a traditional card processing setup at wells fargo to paypal for this.<p>We made that switch three years ago and it&#x27;s all worked out very well - and it saved us a <i>lot</i> vs. wells fargo, who was doing all of the &quot;normal&quot; merchant&#x2F;bank&#x2F;processor tricks that distort the costs a lot.