For a client recently I had to test osCommerce was accepting Nochex payments. Having never used it before I went through the lengthy and painful process of signing up for a Nochex account.
Well now I know why no one used Nochex. It's rubbish. It's the only thing that would make me recommend Paypal (and I hate Paypal) to anyone but at least their service does what it is supposed to with minimum fuss.