I've only used it to buy stuff and I found it a little... I want to say "juvenile", but that's not right. I had several problems using it. It's been a while though.
For the fees, you may as well get your own merchant account. If you use Quickbooks, apply through them and you can integrate it with Billing Solutions - it's fabulous. You can set up clients on automatic payments, you can send them invoices where they click a button and pay you like magic. I'm a believer in getting your own merchant account. But that's an opinion
I've also heard good things about callipay, which is kind of like paypal.