We have a PayPal Business Account (a new service they started) for a backup system, just to handle some of our clients who do not have credit cards. Other than being pretty slow with the batch transfers, one of the things that everyone should be wary of is that a personal money transfer account makes you liable for the income you receive at tax time. That's why they all want your SSI at signup. You should always make sure you opt for a business account status if you want to transfer large amounts over time and stay out of hot water with these services.
While it is a very costly expense to get setup with a legitimate merchant provider, if you're going to provide a strong service to your clients, you need to offer a real merchant process for them to pay by. It might mean that you have to wait a few more days to do your startup, but it's just the cost of doing business. Besides, how do you think it's going to affect your business if you have all those extra steps involved to sign someone up for service?
Something like a PayPal should only be used as a convenience for special situations. Our merchant agreement also has another benefit that may be worth consideration ... some of the providers allow you to buy a "global" license which allows you to offer a substantial discount, or markup when you provide a merchant solution to your hosted clients.
If you're going to be in this business long, you'll find that most business sites (especially if you provide design) will require that in time. So, there's a great chance that you can add a serious profit center to your services at the same time!
The point is, what you don't provide ... you loose!
Just a thought!
AV Host Support
Open your world ... Online!