The bit about bank vs. non-bank is quite compelling; of course that will depend on the terms of service that the bank offers, because until you read the fine print, you won't know if it's truly a bank service or not.

I haven't used PayPal in dog's years, I wasn't aware they had started to grab an extra cut of the cash. That grab makes sense from a purely mercenary standpoint, I suppose — now that they're fat and happy, and the one-and-only method for eBay if I understand correctly, I guess they can get away with it.

But if you have any way to feed back to the bank, you might let them know that a no-fact landing page isn't going to draw many sign-ups.

Oh, and that "accusations-of-sex-trade-related-transactions" thing. I hadn't heard of that issue; you get a lot of trouble with that? :-)