PayPal
the way I see paypal, is, basically , it is protecting the buyer. if a problem, the buyer contacts paypal and the matter is resolved.
paypal is an advantage to the seller , i.e., instant guaranteed payment, Ha,,, unless the buyer contacts paypal and makes a case of wrong doing, then paypal can "pull" these funds from the sellers bank account! LOL
I don't mind sending $ as a friend deal, if I have confidence in the seller.
if I sell an item, I just figure I need to be able to absorb the 3% fee, if not I need to ask a few $ more. not gonna ask someone to add 3% to price. TACKY... just me....