I was inspired to write this up from this thread http://www.blackhatworld.com/blackhat-seo/blackhat-lounge/329659-ive-just-lost-3k-guys.html cause I notice paypal gets crazy with people so I want to show u guys (which is not rocket science) how to protect your money when taking payments. 1st you need multiple payment processor I currently use 1. Merchant account (authroize.net gateway) 2. Plimus 3. alertpay 4. paypal You ALWAYS need a merchant account for emergency cases such as paypal just limiting your account, because sometimes it happens so fast you need to be able to contact the "buyer" and say hey listen paypal limited my account your payment was in it so i need u to pay via merchant account, most buyers have no problem with this. I like to use http://www.cartmanager.com as my shopping cart cost me $20.00 bucks a month but worth it because it allows me to not only send manual invoices, but it allows me to set up recurring billing also within cartmanager so i don't have to keep sending invoices for any product i have recurring. I simply send a invoice to the clients email and the customer enters there information themselves and the payment is processed and u can tell them cancel the payment in paypal, Problem resolved. Now let's say you have a recurring service just go into cartmanager send the customer a recurring billing invoice set them back up tell them dispute the payment in paypal problem solved in the matter of minutes you will never skip a beat Now lets say the customer is one of the paypal freaks and they must use them, simply use Plimus, yea u might not see the money for a few weeks but at least u have the option to get your money asap when it does post. Always keep multiple processors in case of a emergency but MERCHANT ACCOUNTS IS A MUST HAVE it resolves payments in minutes that are on hold by paypal. like i said this isn't rocket science but I'm just amazed at the people who trust paypal, we use them but I don't trust them at any moment, so I have a backup as soon as they try to pull some funny stuff.