Hi Robert,although perhaps OT - a quick advocacy for PayPal:
The reason for me having a paypal account basically was eBay (faster payment). And that's really worth it, if the seller ships the stuff the same day that he gets the payment notification from PayPal: I remember some auctions that I've paid with PayPal and had the article in my hands the next day! Great.
In the meanwhile, it even get's easier to pay, because you don't need to "fill up" the paypal account before sending money - I can do it directly via "Einzugsermächtigung", which means I can send money immediately, even though PayPal hasn't got the money from my account yet. (This is optional, you don't need to do so if you don't like).
It's a really very, very comfortable way of paying. And that doesn't even mention the benefits when doing international transactions (lower fees, faster payment...) !
And as an eBay seller, it gives me the chance to offer credit card payment etc...
It might be, that some of the features I mentioned are reserved for users that have reached a certain status - don't know.
But the most important item for me is that it still "feels" secure. Except for some phishing attempts (that you'll always risk, even if you're not a PayPal user), I had no problems until today AND: they don't bother me with ads and mails... 
Greetings
Thomas