I should have mentioned that PayPal is GREAT for smaller transactions - possibly up to $20~25. The chances of a problem are remote.

PayPal is simply not a logical option for payments above that as you are leaving yourself WIDE OPEN to be ripped off - both as a seller and a buyer!

The best thing is that, at least here in Australia, we have the Banking Ombudsman and he saves the day when the PayPal system fails (note I said "WHEN" - not "IF").