Seems that a simple google search comes up with reams of internet pages about Bill Me Later (BML) problems. Seems they are a "best match" for eBay's pet payment service- Paypal (PP)-. Both PP and BML suffer from the common malady of piss poor customer service and a proven track record of deceitful charging and billing practices. Both are relatively small companies compared to giants like Citigroup (which is another post topic all unto its own!).