I have heard that too. That people can dispute a payment and just get their money back + keep the snake they bought from you.
They can, and people do it, I personally don't like paypal because of that reason. I think debit cards are safer, BUT I've only used paypal twice and I worry that the next would a bad case.
To the OP, either way will work, just be careful who you deal with
Here I Stand, The Black Sheep Of The Family, To you, Worth Less Then Zero. A Chef And A Reptile Lover. Yet, Reptiles Are Not A Hobby, But A Way Of Life.