i have used them for over 2 years, with higher amounts of money IE 3k+/month and i have never had any problems.
over the past 2 days i have had a block on my card but that was due to me making alot of purchases on Saturday, in which i am glad they blocked it because it shows they are actually paying attention to my account.
for mainstream paypal for me is.
(waiting for some webmaster who cant read rules to post paypalsucks.com)