I've sold a few items in the last week or so to folks that paid me using PayPal. I immediately got an email saying PayPal had received the payment and it was confirmed. A day later PayPal says transfer to my bank account is "pending". The next day PayPal says "transfer complete". Three days later its not in my bank account.

Now I know there is such a thing as "overnight" interest but it makes me mad they make interest on MY money after charging me 4% for the "convenience" of using PayPal.