Presumably, the service will be better. Banks in Australia usually need a deposit of one years of sales if you take yearly subscriptions. Then you need to go to a payment processor, who charge their own fees structure on top. But the banks do give you decent service, in that you have someone to call when something goes wrong.

The worst part of PayPal is undoubtedly the service, I've had experience where they locked the account and demanded social security no.s and registration information (via fax) for which there are no Australian equivalents. After months of them asking for things that don't exist, it took a complaint to the Financial industry ombudsman for them to de-restrict the account to allow us to withdraw the funds.

Yeah PayPal has its own problems of course such as the horrible service like you mention. I had a payment dispute once where neither the customer or the seller (me) had an issue, but PayPal had automatically flagged it as suspicious for reasons they wouldn't specify. Mind you that was 1 problem in several hundred transactions, so it wasn't too bad for me overall. I just think $50/month would be hard to bear when you've got PayPal in the same market at no monthly fee and a lower rate.