i would agree with chen9wei to some degree. I was typing out the incidence but deleted back, fearing it might become an example to conmans. Just that time it wasn't paypal reversing the money, it was the issuing bank. I've yet to find a finance-related centre that is truly customers friendly when it has to deal with troubled/distressed customers.

paypal will swipe the service fees both ways irrespective whether a transaction is fully completed or otherwise. Paypal can freeze accounts too. For the incident that i briefly mentioned above, a prominent seller from USA simply bans buyers from south east asia. I don't quite like paypal for many reasons but i'm still using it when required. It receives a lot of criticisms for many things but perhaps those are coming from sore competitors.

Additional horror stories are here and also here

one of the chaps that i frequently make paypal payment is yosuke tani...he owns rc-champ; one of the best/cheapest and busiest online r/c shop in japan...and yet his paypal rating is like less than 200...LOL..all must be from me...LOL LOL!!!

for all intends and purposes...paypal works until you got screwed up somewhere along the e-road