There is precious little "working" with PayPal. We had an unauthorized transfer of $1000 out of our bank account by PayPal, and they have a completely useless circular IVR, their chat bot is nigh non-functional, and their support documentation is woefully out of date. We ended up detecting the odd activity early enough to redirect the funds before someone (who added an unknown number to the account) did anything with it, but we started a dispute and chargeback just-in-case. Further business being cut off be damned.

I've worked in fintech/self-banking institutions. PayPal is a mockery of the entire industry. The example of the literal worst implementation anyone can think of and which leaves everyone scratching their head at how they manage to get away with running as fast and loose as they do.