I have a PayPal account but I don't use it that often. I suppose I use it a few times a year as opposed to my credit cards which I use daily. Now it seems PayPal is everywhere and I can even buy HP computers with the service. Still the credit card companies with cash back and airline miles have a pretty good lock on me and keep me from switching over to the PayPal side. I suppose for people without credit cards, PayPal makes a great deal of sense. It is also a great way to transfer money from one person to another fairly seamlessly.