Agree with Justlisten and add the following:
If you want a bullet proof transaction, accept only wire transfer for the transaction. Better still, set up a second account at your bank that is exclusively for PayPal and accepting wire transfers.
When you send your bank data overseas, there is always a tiny risk that someone can get your data and forge a check or make a false draft against your bank account. I never keep more than $50.00 in my PayPal - wire transfer account and use my banking internet connection (secure site) to transfer to my regular account as quickly as funds arrive.
If PayPal gets a charge back from the buyer and you're verified, they pull funds from your PayPal balance.
If you don't have enough in your PayPal account PayPal goes for your bank account. If you don't have sufficient funds in your bank account, that causes a problem between you and your bank, not you and PayPal.
Bottom line, your protected in the USA from USA customers that are VERIFIED and IF you ship to their VERIFIED address given by PayPal. If you fail to do that, PayPal is not on the hook to back you.
Outside the USA, banking and credit card rules are governed by THAT country's laws, not what we think is fair or what our banks say should be.
All that being said, wire transfers made INTO the USA are not reversible once made. It's about the only truly safe way to get money from outside the USA and know it's really in your account.
