I use a credit card with Paypal instead of linking a checking account. I'm starting to approach my credit card limit through Paypal and then I'll have to be "verified" by linking to a checking account and paying through that. They claim this is for "security" which is downright silly because I have years of solid Paypal transactions. I really have no interest in linking a checking account. However, so many people use Paypal as their payment system nowadays. Is there or will there ever be an alternative to Paypal? I've used Square to pay locally and it's easy, perhaps they will enable online or remote mobile transactions someday.