The reason that paypal stays in business is not because they provide really great consumer support. The reason is that no one can operate at the scale they do and handle fraud at the level they can (and as you mentioned, international payments are extremely difficult). WePay may be a contender soon, but they aren't yet. There is really no easy way to do personal transactions, and certainly not at scale. This isn't a fight consumer support and a great product can win alone, you'd need serious talent and infrastructure both technology and business wise.