Thank you for the feedback :)

As Einstein once said, "Everything should be made as simple as possible, but not simpler"

Hopefully, I didn't make it simpler

Great! My favorites:

Why did I get up from the bed today?

How can I become better?

Am I becoming better from this?

Oh yeah I should add that on the title

Just added

Cool! Will read your post and the book. Thank you

fintech for au?

not sure what you mean? there is a fintech meetup in Sydney.

Hi Jerry, you mentioned earlier that your android version makes about 75% of its iPhone equivalent. Is this still the case now?

no it's dropped substantially. now it's about 10%

UPDATE: For those of you that are interested, here is PayPal's reply below

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Dear Richard,

Thank you for contacting PayPal.

Our Seller Protection protects you from claims, chargebacks or reversals that are a result of unauthorized purchases or items your buyer didn’t receive. With PayPal’s Seller Protection, you are protected for the full amount of all eligible transactions.

If a transaction is eligible for seller protection, it will be marked as eligible or partially eligible on the ‘Transaction Details’ page. If it is marked as partially eligible, you are only protected for items a buyer didn’t receive. Transactions of $250.00 or more requires the customer signs for the merchandise.

Here are some additional requirements you need to meet for seller protection:

   * Ship the item to the address on the ‘Transaction Details Page.’
   * The goods must be physical items that can be posted.
   * Provide proof of delivery (we require online tracking to confirm

delivery). * Respond to our requests for documentation and other information.

To learn more about PayPal’s Seller Protection Policy, click ‘Legal Agreements’ at the bottom of any PayPal page, and then click ‘PayPal User Agreement.’

Sincerely,

PayPal Account Review Department PayPal, an eBay Company

Copyright© 2011 PayPal Inc. All rights reserved.

Consumer advisory: PayPal Pte Ltd, the Holder of the PayPal™ payment service stored value facility, does not require the approval of the Monetary Authority of Singapore. Consumers (users) are advised to read the terms and conditions carefully.

if you suggest a good alternative that's available in Australia, i'm all ears

If you're doing a reasonably volume of sales I'd recommend just using a merchant account provider (probably your best bet is asking around local startups to see who they use). You'll pay a higher premium due to your risk factors, but you'll get better service.

My thoughts exactly mate