I always use Pay-Pal, no problem....I always pay their fees, I don't do friends and gifts.....I tell people when they pay me , keep it straight .......I would say Pay-Pal has paid me back at least 6000.00 in bad purchases.....That 4% they charge is cheep insurance .......I had a strange thing happen....I bought something in UK for 750.00, didn't get a tracking number after several days so I asked Audiogon to check it out....The seller got mad and cancelled my buy and sent my money back.....The seller was new to Audiogon, was out of the US and had one very short feed-back........Wonder why he got mad at me ??? autospec