Is there any catch for online payment gateways/systems?

Hi js. No question is ever really stupid.. To answer your question: I have been working with PayPal for about two years now and I am veery content with it. Esspecially when I got myself to be an approved accountholder. You'll need to fill in form then and it is also better if you own a creditcard. I receive and pay money online with this account. When my account has not enough fund, the will charge my creditcard for the rest of the bill. You need to know that PayPal ALWAYS adresses you in emails with your complete name. Emails with "dear customer of PayPal" are send to you to get your bankaccountnumber and such, to be fraudulous. Good luck and happy MyLotting!