But conversely, the processes are abysmal* because Paypal is cheap. If you want to be given first-class treatment and have your hand held every step of the way, then I'm sure there are plenty of firms that would be willing to do that...in exchange for 10-15% commissions.

* I think they're annoying but not abysmal. 90% of the tantrums I see on HN about Paypal involve a lack of preparation on the part of the counterparty.