Let me start out by saying that I used to make close to 3000 a week selling "Chinese sneakers" on Ebay. This would have never been possible if I did no sell using a merchant account. I see so many posts on here and other forums where people are complaining about there money frozen in Paypal or "how can I bypass this 21 day hold BS?" The answer is simple, get yourself a merchant account! I am starting this thread with the intention of answering any and all ?s about merchant accounts. There is no reason why anyone should be using a PP account to sell on Ebay. THERE IS ABSOLUTELY NO ADVANTAGE TO USING PP OVER A MERCHANT ACCOUNT, not to mention PP will usually end up getting you suspended and keeping your money! Back in the pre 11/07 days I would have 8 Ebay accounts running at once. If an account ever got bumped off because of VERO I would open a new account and be selling the next day! Obviously things are a bit more difficult now as you are required to link your PP account and offer it as an accepted payment method. UNLESS...you have a merchant account that has been verified by ebay. If your ebay account is registered under your real name, ther is no reason that you should not get a merchant account and use it instead of PP. All you need to do is fax in a statement and ebay will let you integrate your merchant account directly into their payflow. Even though the merchant accoutn will be integrated into their payflow-they will never have access to your money. Most merchant accounts automatically deposit your funds within 48 hours. Now I know some of you are saying, well i have already been suspended by ebay numerous times. The answer for these people is simple-get an LLC, get a merchant account for the LLC, and then register an ebay acount using the LLC name. You can get file your LLC paper sonline in most states and usually will be set up within the week. Being approved for a merchant account is MUCH easier than most people believe. Even if you are selling questionable products, there are tons of little tricks you can use to get a approved by these guys. The merchant services industry is EXTREMELY competitive and unless you have some serious judgements on your credit report or have had a merchant account terminated before, you will most likely be approved by somebody becasue there are so many companies fighting for your business. I used to work for a merchant account provider so I know exactly what to say, and sometimes more importantly, what not to say on your merchant account applications. I will constantly monitor this thread to answer any and all questions my fellow BHW members my have about anything relating to merchant accounts. I can also point you in the right direction and ensure that you get the best possible rate. STOP GIVING PP YOUR MONEY GET A MERCHANT ACCOUNT!