Notice how you can't pay your rates/car rego/fines/insurance bills/electricity/gas/petrol/car finance payment etc etc etc etc using PayPal - why do you think that is?????????
In Australia we have Bpay and other online facilities. Thats why.
There are flaws in everything, but its also about choice. If a business choses to operate in a way tha makes them difficult to deal with then Ill spend my money with a business that makes it easy to do business with.
I am happy to pay the extra 5-10 percent to cover the vendors fees.
