I use paypal and love them. Over the last year and a half, I have done several thousand dollars in business through them and have had only one chargeback. That chargeback was my own fault for approving the transaction without a verified shipping address. I knew better than to do that but I needed money at the time so I approved the transaction. I have had others attempt claims against me and paypal not only backed me up, but also denied them a refund. People have learned to get things for free by charging back on things they purchase. Paypal makes this impossible if the seller lives up to his end of the deal.
Paypal DOES scrub. Any customer who makes repeated claims against sellers will have their account terminated or restricted to the point that it is almost useless.
If you are putting any decent amount of money through paypal, you should be a premier business member. I typically have $1,000-$2,000 in my account and always have access to it thanks to the ATM card they sent me. So far, I have not experienced any restrictions or any problems getting my money.
ALL HAIL PAYPAL!!
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