01-02-2004, 03:20 PM
My wife is a collector and she uses it all the time to pay for EBay purchases. Buyer's don't pay anything, but the Merchants are charged a % based on volume. For us it is linked to our checking account. She has used it probably 100+ times in the last year. If there are issues they are most likely related to Merchants not sending you what you thought you ordered.