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Before Pay Pal as a seller I would have to wait most times for a week or more for payment to arrive then wait for the check to clear before sending the item out. Now when the auction ends , the payment it sometimes immediate or the next day and it is avaiable th transfer to my bank . I do have the occasional buyer that might take more time. As a buyer i always leave some cash in my account so when i see a item of interest I can complete the purchase quickly. Pay Pal can be your friend if you can get past the fees. Norm