What problem is REALLY bugging you? 
tomh-: I would pay to outsource the risk of being a PayPal merchant. I want to be able to serve my users with the option of paying with PayPal, but PayPal for merchants is totally unreliable. Especially in the virtual good/currency industry they seem to have the tendency to lock your account for no reasons at all, and you can be without money for over 180 days.