My publisher pays my royalties through PayPal, so I have to have an account there. Painless and simple. I occasionally buy stuff from eBay and use PayPal Credit, not to stretch out payments (I pay in full within 30 days) but because that adds another layer of buyer safety in case the seller is dodgy. Paypal is very good about refunding payments if merchandise never arrives, for example. Using PP Credit gives me a 30-day no interest security blanket.
