Paypal is what it is - everyone using it now should fully comprehend that until you get your money safely into a real banka ccount it it's not really your money... they should fully understand that Paypal is chargeback hell, particularly if you're selling "high risk" things/services.

Dwolla on the other hand claimed cash-like transactions, no chargeback concerns, etc... and it turned out to be bullshit. I'm almost willing to bet that the 25c transactions is bullshit too. I'm wondering if it's below-cost, that they're operating on venture capital and that they're just hoping to reach critical mass before the VC runs out and they have to up their charges.

Note that some parts of their site still say "no chargeback concerns" yet their support/PR people will happily tell you they've always had a process for filing disputes. Until they do something to demonstrate that their marketing hasn't been 100% bullshit, I'm not going to waste my time implementing their payment system into my billing system, though I do still use them for turning BTC into USD.