Like ‘em or Hate ‘em, Paypal May be the Best Checking Account Alternative for Business Banking

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Wherever I look for payments solutions for iFacturas, PayPal is coming up. Here is a valuation of using PayPal instead of a bank.

A post from .com by has the whole story. Here is a part:

Most of you know my relationship with Paypal. They sent my wife away in tears on a recent Ebay transaction, and their customer service can be horrible at times (I’m now out $230 of my own money because of it, and because supposedly they can’t trust me). At the same time I’m on their Developer Council and I love ‘em to death, because as a developer I feel I have a voice with them. Regardless, when compared to my bank, I see Paypal in an entirely different light than the situation with my wife. Without a doubt, Paypal is one of the most innovative banking solutions out there right now, and that’s hard to ignore. I wonder, could Paypal be a decent replacement to my business checking account at my bank? I’m starting to think it could very well be.
Innovation
Let’s start with their biggest strength. Paypal is by far one of the most innovative banking platforms on the planet right now. They are entirely set up to work virtually. They were one of the first to set up online money transfers. With just an email address I can send money to someone. I can set up, and take credit card transactions, entirely online. I can scan checks with my cell phone and they go into my Paypal account. They’re attached to Money Market funds that produce interest on my checking account. I was even able to order a debit card online, and now I can withdraw actual cash from my Paypal account.
Let’s add to all the additional payment services I can use and set up, all online. I can add, just by copying simple HTML, a payment widget to my website if I want to take payments. I can set up shopping carts with ease. I can integrate to payments, deposits, and more, all through a developer API. My banks can’t do that.
With my bank, especially my business account, my options are limited. I don’t yet have online check deposit capabilities on my business account.  I don’t have an API to access payments. Heck, for many business checking accounts you don’t even make interest on your accounts! Granted, my personal account situation is much better – I use USAA, whose services are second to none, but let’s stick to business for purposes of this post.

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