Not necessarily. Some of the vendors deal with BOA, Wells Fargo, Chase, SunTrust, Credit Unions, Coops, etc... The same ones are not always online and they all have different exchange rates. If you look at the sell options, they also have Western Union and MoneyGram among others. CASH, imho, is the best method. I used PayPal about 11 times and only one transaction bit me. I'm still appealing it a month later as they're trying to steal about $1400 from me.