I've had a Premier account since 2001 and have not had any trouble at all with it. It comes with a Premier MasterCard Business card that works at ATM's and places that take MasterCard and pays a 1% cashback on all purchases. They are now owned by eBay. The number of complaints about PayPal is about normal in my opinion. If you look at any service on the internet, you'll find some who are not happy with it. :) As for me, it is fine. Take the payment and then have it automatically transfer to your bank account so the money is not just sitting in the paypal account.