Comment by downandout

I've won disputes on PayPal as a seller.

There are exceptions to every rule, but in the vast majority of cases, they side with buyers. I once had someone that admitted in email that they were trying to extort me into refunding them. PayPal actually wrote back saying they were going to go to bat for me with the card issuer after I showed them these emails, but the card issuer didn't budge. I have no idea if PayPal sent the card issuer the emails, I just know that I wound up being out the money.

So you aren't just fighting with PayPal, you're fighting with card issuers as well. PayPal will side with buyers in most cases, and in the few instances where it is obvious that the merchant is correct and PayPal tries to do the right thing, then the card issuer will pick it up and screw the merchant from their side of it.

Regardless of who does the screwing, the merchant is the one that suffers in the end by accepting PayPal.

Companies have been using PayPal for over a decade without their accounts being closed.

Very large companies have nothing to worry about from PayPal, but small merchants have a very high percentage chance of being screwed by them. See http://www.paypalsucks.com/