I've been using Paypal and Alertpay. They are the widely used online payment processors. Although I have heard of several incidents which lead to suspension and termination of some accounts, still I would use it. The only way to avoid having problems with those is to be cautious with the transactions you make. I would suggest the new users to be extra careful with the people you are dealing business with. Make sure to have it verified the earliest possible time. It adds to the security of your account.