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Hmm, I do not really understand, why would be using Paypal more difficult than using a CC. All you need to do when paying with Paypal is entering your password, while when paying with a CC, you have to enter the name, number, expiry, and the CVC code. And it is of course much safer than paying with a CC. When you pay with a CC, you never know what happens with the data you submit. Many vendors are stupid enough to store the CC data on their server which are very far to be safe from being impenetrable. You can trust me, security of ecommerce is my profession.PPal is definitely not user-friendly IMO. I hate using them, and it's no more secure than using CCards. Not sure what they benefit is to the receiver- maybe less fees than a CCard?