I sell Prayer Beads on-line and have used Paypal exclusively as the payment processor for 12 years. I've never had a problem and appreciate the fact I'm not responsible for having the purchaser's credit card info. There have been two disputes, both of which were knee jerk reactions from customers not contacting me on a mistake but going directly to Paypal. In both cases Paypal acted fairly. Yes, they charge a fee but all credit card processors do and many are much higher than Paypal unless you have very high sales (mine are less than $8,000 a year).