I have been using Paypal for years as a seller on Ebay and as a buyer.

I have opened 3 claims and they have all been resolved by Paypal who refunded my money.

There are good and bad stories everywhere but out of the millions of people that uses Paypal I am sure they only represent a minority.

I think the bottom line is definitely to know who you send your money to in the first place.

If you do have a problem and they do not satisfy your claim you still have recourse with your credit card company.

Note: The only thing I would never do is use Paypal to transfer money directly from my bank account to pay for goods.