Personally I think PayPal sucks they have gone way down hill.
I sold a preamp for $4k the buyer wanted special packing at ups and wanted 2 day delivery over $500 ,he sent monies , then after it shipped he decided to change his mind rejecting delivery 3 times , it took another week to return to me
paypal said the guys was not playing by their rules they refunded all the buyers monies back including the $500+ which he specifically wanted and was documented. The sellers are the victim ,and having a excellent record didnot matter
that's their policy., another time recently I sold speakers and the buyer told them I overcharged and ripped him off ,he showed them a older pair and he said their was wood stains but wanted to keep them ,PayPal went into my bank account witha E check and took the $600 . I went to my bank and filed a complaint unauthorized a and got monies back . Stripe is more ethical imo ,even Audiogon uses stripe now ,when you take out an ad via credit card it shows stripe. There are 1,000s of others over the last few years especially vs sellers 90% of the time , where is the democracy ?that’s my point !!