First off, I had a bad PayPal experience years ago, so no amount of discussion would persuade to me to use them. I wouldn't use them if they, or anyone else, paid me. They are that bad.

Putting my bias aside, what you need to consider is the time and stress that will occur if -- I'm straining not to say when -- things go wrong. If they do go wrong, then you will meet a void of silence.

You will spend huge gobs of time -- and incur costs -- trying to sort things out, and you will completely without control. You will lose sleep. You will be distracted. And if the sum involved is large enough, it could be disastrous for your business and perhaps your life.

Now, ask yourself: what you would pay to avoid those risks?

I suggest the simple answer is to sidestep the risk and simply not go there.