I've been using PayPal for more than 10 years, and have never had a problem; much the reverse. They have actually gone to bat for me when I was scammed, and refunded money to me out of their pocket, not the vendor. This was not an eBay transaction. I used them to pay for an online purchase that turned out to be a scam from China. They were simply the payment vehicle. They still refunded my money. I can't say enough about their efficient communication or the excellent service. It was time consuming, but they were responsive and helpful. 5 stars!