I have ben using a paypal merchant account for 2 yrs and have yet to have a problem. Am I just lucky? Is something going to happen with paypal that I should be aware of? I always see in these forums of how much people hate paypal. I must be missing something...its been as smooth as silk so far and I love the 4.25% im earning on my balance with them. You guys have me worried now. What is it that I need to know about paypal?