THE Haggler’s recent column about PayPal, the online money transfer company, summoned forth a fresh round of “I can’t stand PayPal” e-mail. This one stood out.

Q. My company is new, and as yet has processed just three transactions using credit cards through PayPal. In all of these cases, the payment has been held up for about 24 hours because the buyer was “unverified.” This has happened even when the credit card was the corporate card of a well-known company. Twenty-four hours may not seem long, but in my case it is critical.

My company sells schedule risk analysis software. It can be downloaded from the Web for a 30-day free trial, at the end of which the user must buy a license key to continue using the software. This key is delivered automatically, by e-mail, within seconds of the purchase — except when this purchase is made through PayPal, in which case it takes 24 hours or more.

Furthermore, while PayPal informs me of the delay, it does not apparently inform the buyer. This is allegedly meant to be a protection for me, but other Internet vendors accept credit cards without question, and I don’t see why PayPal should be any different. Also, in my particular case, if I were not to get paid for some reason I can retrospectively disable the license key. So I don’t need or want this protection. I have tried to make this case to PayPal several times, but I get bland responses that avoid the key points. Can you help? Tony Welsh