In my 4 year IM lifespan I went through 14 paypal accounts (US Based). Yes, it sucks. Once you're banned they will go after you each time, for the smallest bullshit. If you are based in the USofA here is a awesome alternative. If you are in the states you heard of SQUARE.com, its that little thingy you attach to your iPad and/or smart phone to charge credit cards. Let me tell you that it is the best thing that happened to my IM business. Why? 1. Funds are deposited the NEXT day to my account. 2. No chargeback fees. If someone charges back you don't get any additional fees. 3. No screening bullshit on large transactions. I did 3,000 dollar transactions on a fresh account and the money was IN my account the next day. Drawbacks: 1. NO api, you need to create a online form/shopping cart to collect the credit cards / order info and then manually type in the info into your square app. 2. That is it. Just saying, if you're tired of paypal and want a free alternative with a cool card reader go to square.com and sign up. If you're using wordpress for your site then collecting CC info is as simple as installing the gravity forms plugin. Fees: 2.75% per swipe. 3.75% per keyed in transaction + 15 cents. Like I've said, I am doing XXXX digit transactions without a single hitch, and the money is in my account THE NEXT DAY.