Personally PAYPAL = FUBAR -EXTREMELY.
They always rule in favor of the bad guy (even if they claim to be in your favor -refer ^^^). My brother always withdraws payments from his paypal account asap.
Awhile back he sent out a radio which got damaged in shipping. The package was insured, and my brother got the money from UPS, and as soon as he refunded the buyer the buyer then placed a claim with Paypal. Paypal immediately took the $215 from my brothers account, which gave his account a negative $215 balance even before my brother could prove the refund. Once he sent them all the papers showing he had already refunded the guy they then 'ruled' in my brothers favor, but it was too late. Paypal claimed the buyer didn't have anything in his account at the moment so they couldn't do anything. So my brother kept sending payment requests and never got anything. Not to mention the buyers Phone # was a bogus #, and nobody lived at the address the radio had been sent to.
Paypal is useless, so he now mainly requires Money orders or Credit Card payments.