Every once in a while, I look into alternative services. So far, PayPal is the only service that lets me run my business using a static web page. They provide the checkout system and handle the card payment for me.

If I use Stripe, I have to create and maintain some kind of active server to process the transactions. With other services, there's always something that makes it onerous to use.

In the long run, I think the buyer protections are more of a benefit than a risk to me. They reassure the customer that I won't screw with their credit card number, or just vanish overnight with no recourse to them.

Note that as a manufacturer, my cost-of-goods is a small fraction of the selling price, so my risk is less than someone using PayPal for a pure cash transaction such as getting paid for work. Also, a physical good that can be returned kind of sets the bar for any customer who wants to hassle me.

So far, the only disputes I've received have been when somebody orders my gadget by accident, and enters a dispute so I can cancel the transaction.