I use paypal frequently, but always use a credit card.. I've been ripped off several times on evilbay by fraudulent sellers, and paypal was never any help for me, other than saying "yeah, I guess that guy ripped you off.. we'll let you know if we track him down and can get any of your money back".. so I went directly to my credit card company who had the money back in my account within days in every case.. they don't even question it when you say 'ebay transaction'.. they just reverse the charge and if the seller doesn't contest it (which they won't) you get your money back