Been hearing too many horror stories about paypal, wherein people have lost thousands of dollars because of their stupidity of taking the side of the buyer always and not the seller. Am from India, so paypal is effectively useless as the funds in paypal cannot be used for making transactions. Am considering authorize.net as a payment gateway for my website. I found a reseller who offers a free setup of $99. I have a few queries that need some expert advise: 1. Can funds from paypal be used by a buyer to pay into authorize.net? 2. Authorize.net just charges $.1 per transaction? Is it that cheap or am I missing something? 3. I need a gateway that is seller friendly and does not refund money like gaypal does! I know a client who lost $1000 because of a paypal dispute, and the client still had the content written for him. Any suggestions are welcome.