Statistically, things do not often go wrong with PayPal. The number of "horror stories" is extremely low for a payment service with hundreds of millions of accounts and $145 billion in payment volume. Regardless, the idea here is to be quick and dirty to accept occasional payments. There's no risk there since you can immediately withdraw the payment. If your account gets closed, who cares. You don't need a Stripe account, a Heroku app, and devops knowledge when copying and pasting a PayPal button or telling someone to send money to your e-mail would suffice.