Paypal rocks, until it doesn't.

I used it for years, mostly selling stuff on ebay. I never had negative feedback, never had an issue. I even used one of their two-factor auth tokens. Then one day, Paypal decided that they needed to review my account, and froze about $900 for 6 months.

The whole process was completely arbitrary and capricious. Haven't done business with Paypal or eBay ever since.