[desigooner]

>>Some users swear by it because they don't have to share any sensitive credit card information (including CVV coddes) with the merchant.

I tend to be one of those .. Dispute resolution with Paypal is a much better experience as compared to dealing with, say Bank of America ... I was lucky to have had my paypal account on itunes when I had some fraudulent purchases .. No long claims process as with a bank .. The investigation and the matter was settled within 3-4 days ..

Now I've read about paypal arbitrarily stopping services without any warnings but other banks can be the same..

[philwelch]

Bank of America is a particularly crappy bank. US Bank is marginally better in my experience, and ING Direct is by far the best. Particularly in terms of dispute resolution, US Bank was very easy to work with, and settled the matter within I think less than a week. (My ING Direct debit card number has yet to be stolen, and when a whole bunch of debit card numbers were leaked by a third party, they preemptively mailed me a brand new card along with a friendly letter explaining the situation.)

But the real solution for dispute resolution is to use an ordinary credit card and put through chargebacks on any and all fraudulent purchases. Lacking the stomach to keep a credit card I don't do this myself, but I hear chargebacks are very easy by design.

[egmike]

Interesting points. I'm leaning towards having PayPal as an option, but I don't think I'd use them as my main provider, at least not for long... Thank you both.