Seems pretty painless, mostly.
I've only used it to pay for things. I've never sold anything on eBay, though I've been tempted to look into it....
I did get awfully annoyed with them when they insisted that I "Get Verified" and give them a checking account number. Since the payment then defaults to using the checking account (thereby saving them the 3% or whatever the CC company charges), they save money, but the purchaser no longer gets the 'insurance' provided by the card.
As long as I'm not in a hurry, I can flip it back to the CC and foil their Evil Plan. But it's annoying.
Electronic money transfer by purchasers is a good thing (I remember spending about $50 to Western Union $200 a few years ago). I just wish it were a little more transparent than PayPal.
Cheers,
Scott.
