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I've had Paypal since it came out. Hooked it up to my credit card instead of a bank account so I could address fraud easier. I have a business and personal Paypal account and even though I don't use them frequently, I've been VERY pleased with Paypal.
I won some money from Epassporte over a year ago. When I looked at it, it seemed like such a PITA to set up that I didn't even bother. Perhaps the steps are easier now, but I remember something like having to charge $X on my credit card before I could even open an account? Again, my memory is bad and it could have changed, but when it's too much of a hassle to get free money, there might be a problem. Or I might be incredibly lazy ;)
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