Just adding my two cents. Pay Pal's history with small merchants has always been on the difficult side. Our Credit Union that we were banking with anyways, set us up a merchant account, they take less than paypal, and we only have to maintain a $50 balance....to top it off, if there is ever a question or problem we can call and talk to a human or just go to the office. Works great at tax time too. Tada, the K.I.S.S system.