Wells Fargo v. PayPal

I've recently had three clients who have all had Wells Fargo accounts.  They are small businesses and can't, nor want, to pay a lot of money for certificates, merchant accounts, bank fees, etc., so I recommended PayPal to them and Savvyon programmed some simple solution to their unique needs.

I received a call shortly after each client setup their PayPal account telling me that they had been contacted by Wells Fargo stating that they had noticed the 'test transactions' posted by PayPal and wanted them to switch to using their merchant account with CyberSource. Interesting to hear that Wells Fargo has clearly programmed some sort of alerts into their system that notifies sales people of someone's intent to use PayPal for something.  So if you setup a business account with PayPal and you have a Wells Fargo bank account, be prepared to receive a phone call!!

I would really like someone to convince me how having a monthly merchant account fee + bank transaction fees + annual SSL certificate costs + programming costs, etc., really is less expensive than a free PayPal account with a very nominal fee structure and a small wait time to withdraw monies is going to benefit small businesses that are trying to make ends meat and survive in this economy.