It seems that a lot of people have issues with Paypal. I have personally never had a problem with them. I have my Paypal linked to my bank account and have found it to be a great way to quickly pay and get paid... where merchants allow it. I have heard that Paypal has shut a lot of affiliate accounts down in the past and Alertpay seem to be a little bit more affiliate friendly. The one issue I have with Alert Pay is that now and again the option to ad credit card details seems to get suspended while they have issues with banks. It is just nice to have more of a choice on your spending options. To have a credit/debit card and these Pay merchants. There is also a company called Solidpay but I've never personally tried them. I've also recently opened an account with a company called 'Libertyserve' but have not tried them yet. Perhaps someone else here has and could give an opinion?