Its a good idea and works to some extent. The problem is all the douche bag scammers that say their card was stolen after making a purchase. Basically, sure you will win disputes thanks to the documentation, but paypal will flip $#*! and close your account. Not only do they close your account they will lock your money down for 180 days. So basically if you want your money frozen forever then go for it. IF not avoid it at all costs as a lender..