I am a private party that used Paypal to pay bills online. I am not a business. Of course the recent, although retracted, terms of service that indicated they would fine users $2500 for providing “misinformation”, gave me pause for consideration and was concerning. The more I looked into Paypal’s business leadership and direction, the more convinced I became that they have extended beyond what I thought their purpose in the business community was. I have already cancelled all automatic payments through their service, but I was hoping there was another service that I could use in a similar fashion. I have looked at several but was hoping some users had experience with one or more of them that they might share.