I had some money left, spent it in needed items and was just waiting for them to arrive in case I had to get a refund.
All is good so…
It was probably the easiest transaction I have done with them.
And now the question is. Is there a decent substitute?
A decent substitute in what sense? Speaking purely for myself, I never saw a need for them as a purchaser. Credit cards give equivalent or better protection for the user in most cases I can think of.
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Since I’m not an online seller (or only extremely rarely to date), I’ve never needed to accept payment.