I've used PayPal for years and I personally have never had a problem. One thing I really like about PayPal is their debit card. Works just like a standard MasterCard but with a couple of cool exceptions:
1. When you make a purchase, the transaction immediately
appears in your PayPal account.
2. You receive 1.5% cash back immediately
when you use the PayPal debit card.
PayPal does take a few days to transfer money to your bank account. But, you can always use your PayPal debit card and withdraw the money at an ATM and deposit the money into your bank account if you are in a rush.
Any merchant account provider (including PayPal) will have problems at some point. Having had both a standard merchant account and PayPal, I much prefer PayPal.
Oh, almost forgot to mention that it's a breeze to download PayPal account information directly into my accounting software. Very handy!
Welcome to the forum R_L!