They are the tops.
We had our first charge back in six months. Client ordered $80 and then decided she wanted $110
Took Paypal 3 days to check it

and then we are back on line.
I love the idea that they want to see if you got the charge against your card before they authorise you. We get people all the time from Croatia and Ukraine saying they can not buy via Paypal, can we do it with another CC company.
No good for the membership sites, but we have people charging $1,000 against their cards.
No love them
