have two bank acounts. On is your regualr checking account and the other is your Paypal only account. When you as a seller receive money into your Paypal only bank account, immediately withdraw it and transfer it into your other account. That way there is no way to charge back anything.

If a scammer gets a hold of your regualr account and you have a line of credit on that account, you could be wiped out before you know it.

Other than that, I have done many transactions, even currency exchange ones too, with no problems. But I am sure there is a first time for everything.

But, I am one of those early adopter types who almost never shops in a store anymore. Very strange feeling when I do for instant gratification reasons. LOL