I'm looking forward to when this guy writes in with his horror story about how Paypal froze his account and stole all his money.<p>It appears that inconvenience cannot be created or destroyed; the merchant account people frontload the inconvenience, and then, satisfied you probably aren't a crook, leave you alone. Paypal backloads the inconvenience - signup is easy, but then at any time they might freeze your account and steal all your money.<p>Seriously, there's a huge market for a transparent, straightforward merchant account provider.