I personally use Paypal, as I am living with my parents and I currently don't have a credit card, possibly will try to apply for one in the future. PayPal to me is quite simple, however I see many others complaining about it for some reason, maybe it's because I don't own a business and just use PayPal for personal reasons, and that is why me and PayPal don't have a complicated relationship yet. The transfer time from my bank account to my PayPal account can be annoying sometimes when I want to purchase something, but don't have the funds for it, as it takes from 5-8 business days to transfer the funds. By then, I've probably made up my mind to whether I actually want to buy the product or not, so it could be a good thing, as I don't buy big ticket items in the heat of the moment. My question is, what kind of payment processor do you use and how do you like it? Have a good day!