I have been a Pay Pal user, for almost 6years.  Doing surveys on line, and using paypal, to receive payment, I find it great.  And when I was banking at US Bank, I would send $20 up to paypal, and the money would collect intrest.  Then Pay Pal asked me to join the Money Market Account.  This was an added bonus for me.  Because, the money deposited into Pay Pal, earned a higher yield of interest in a money market account.

     I have seen listings on E-Bay, from sellers, slamming Pay Pal, what a rip-off, crooks and the like comments.

     I have also experienced, overpayments to sellers.  I would contact Pay Pal, and they would ask me to resolve with the seller.  Most Sellers, I have communicated through, did understand the overpayment.  Especially when you give them the two transaction numbers.  One transaction would be cancelled and the moeny returned.  How ever, there would be someone new, unfamiliar with banking and Pay Pal, and they would not get it.  Instead of something easy, it would get E-Bay and Pay Pal involved.  Then the seller would turn it into a massive mess.  Something as simple as an overpayment, plus two different transaction numbers, should easily be fixed.  But it wasn't.  Some sellers will try and intimidate you, with threats (IE: you are being investigated by E-Bay, you are being investigated by Pay Pal and the FBI, and then it gets more serious after that threating emails).  Persevere through this, keep your head, do not fret, and do not worry.  If you have the two transaction numbers, and call Pay Pal they can walk you through filing a resolution.

Pay Pal and E-Bay, are on the side of the rightous person.  If you bought it through Pay Pal, and it came from your credit card or bank account, you have nothing to fear.  For me, it has always taken less than 12-days to resolve through E-Bay and Pay Pal.  These two Companies, are willing to go to bat for you and help you resolve any conflict with a buyer or seller.

     I have encountered great sellers here at E-Bay.  97 percent of the sellers prefer pay pal, as it eases payment.  And there are no conflicts of the sale.  For you buyers, let me say this, stay in contact with the seller, let them know you prefer to use pay pal.  If you have a credit card or bank account, it is easy to set up the account.  Just 2 or 3 working days is all you need.  A street address for shipping items, and a po box where your statements go, unless it is your street address.  Once in a wile you will encounter people who are afraid of using pay pal, or just don't like to give their account information over the internet, but they do do their banking on line.  No problem.  They prefer to use money orders.  No problem, use the money order. 

    Never use Western Union Money Grams, there are so many stories of scams and scamming potential buyers that way, and Ebay is not alone, it also happens at other on line auction sites as well.  LIke Yahoo. 

     I am a member of Yahoo Auction, but I prefer to stay here at Ebay, it is such a great place to be at.

    I pray, that this will help you alot to understand that E-Bay and Pay Pal will help you out as much as they can.