Personally, I think Paypal is the worst. They refuse to send money to a P.O. box which is the only mailing address I use. I've never had a transaction with them that I liked. And trying to get anyone on the phone that speaks English is difficult if not impossible. I only use them if I absolutely HAVE to and then, as soon as the transaction is complete, I delete the credit card info. No way are they getting my bank account number.
I know a lot of people that like Paypal, but IMHO, anyone that actually likes Paypal should spend an hour or so checking out paypalsucks.com. Very enlightening. You know its bad when someone actually sets up a web site to show the world what is really going on at a company.