This document discusses e-commerce and issues with the online payment service PayPal. It begins by defining e-commerce as business conducted online, not just limited to sites like Amazon and eBay. It then uses PayPal as an example and notes complaints from users about frozen accounts and missing money. The document discusses problems with reliability, integrity, security, and identity theft for online payment services. It proposes solutions like using trusted sites, firewall protection, and credit cards over payment services. The document concludes by noting limitations in internet access that exclude some populations from e-commerce.