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Paypal or Merchant Account   by Ratliff J So, you have an online business, or at least plan to. How to accept payments? You have heard of Paypal, but have also heard different opinions of Paypal. Most people will tell you that it is hard to do business online or on ebay without Paypal. Not true. I am an Ebay PowerSeller, and I do NOT accept Paypal. Why? I have been screwed by them more than once - 3 times to be exact. I simply cancelled my account and took the loss. I am glad to say that I switched to a merchant account, and am very happy with it. One of the main reasons I hear from people for using Paypal is because it is so easy and quick to sign up. Honestly, signing up for a Merchant Account is not that hard. Once you sign up online with a merchant service, they usually call you within a few days to finalize everything. The good news, a merchant account is cheaper than Paypal. Why Merchant Accounts? Does Walmart or Target take Paypal? No. Consumers recognize Visa and Mastercard logos, but believe it or not, some consumers have no idea what Paypal Is. Does Paypal really provide a guarantee? Not really. if you have ever had a problem with them you know this very well. They use their Terms of Service to get out of most problems and leave you hanging. Is Paypal Cheaper? No, they are more expensive. Even with paying the merchant fees and the internet gateway fees, my fees are still much less than before. I hope you will consider looking into a merchant account for your online business. Learn more about merchant accounts at Foovy. About the Author J. Ratliff has been doing business on the web for 5 years. Milton Friedman, 94, Free-Market Theorist, Dies Milton Friedman was the grandmaster of free-market economic theory in the postwar era. Hungary legend Puskas dies at 79 Hungary and Real Madrid legend Ferenc Puskas dies at the age of 79. Economic Scene: A Charismatic Economist Who Loved to Argue For economists, Milton Friedman’s legacy is more about trying to understand how the world works and engaging in a debate about it. Studio claims 007 box office coup Casino Royale takes more at the UK box office in its first day of release than any other Bond film, its studio says. Minister 'attacks Iraq mistake' Minister Margaret Hodge calls the Iraq war Tony Blair's "big mistake in foreign affairs," a newspaper reports. Release of PlayStation 3 Becomes a Waiting Game Gamers were standing in line for days in cities across the country to be among the first owners of the Sony PlayStation 3. Showing a New Style, Department Stores Surge After four decades of decline, the department store has again become a destination for shoppers. Rugby U: Corry set for 'challenge' Martin Corry is determined to end his side's dismal run of form in Saturday's vital clash against South Africa. Climate talks stuck on Kyoto deal Some issues are resolved at UN climate talks in Kenya, but a deal on reviewing the Kyoto Protocol proves elusive. Savoring a Small Victory After a Market Timing Scandal Three years later, Frederick J. O’Meally, a former Wall Street broker, seeks vindication while the S.E.C. seeks answers. Advertising: An Honor for Creativity Fuels Odes to Tap Water The Tap Project campaign by David Droga offers an example of how advertisers are increasingly focusing on the search for the next big idea, wherever it may be. April Hearing for Fugitive in Namibia An extradition hearing for the former chief executive of Comverse Technology, Jacob Alexander, will be held on April 25.