Nope, paypal finally seems to be working quite reliably. There are still people who don't get the link to log on, but I just set those applications up manually. It only delays things by a day or so - when people send me an email that they didn't get the login information, I just ask them to send me their paypal receipt, their desired login-id, and their full name. With that, and their email address, I can set things up by hand.
The "e-check" seems to take more time - it is a part of the paypal system, but it's hard to figure out how it works, and how to automate it. The regular paypal service seems to work pretty reliably now.