We're fortunate in that we do not have a problem with chargebacks. We have never had a chargeback or payment dispute (hope I'm not tempting fate by saying that), so for us PayPal is absolutely brilliant. We were using WorldPay before; their standard procedure was to hold onto your funds for four weeks after the transaction had completed. This really hurt our cash flow. The final straw for us was when we wanted to offer multiple currencies (six currencies) on our website. WorldPay wanted to charge us 50GBP per currency for this; with PayPal there is no extra cost and is much easer to integrate on our website.

So, we, like many, many PayPal Website Pro users are very happy. Hoping there will be an update soon about 3-D Secure. Dr Byte? Are you able to share any news?