I have 2 questions about Paypal. 1. How do I go about getting a Paypal Micropayments account? 2. If I have a Terms of Service on my site that users have to agree to in order to register, and in that TOS it states that "Refunds are only returned as Site Credit," and then a user makes a Paypal refund claim, can I cover my ass by saying to Paypal that the Refund won't be accepted, because our TOS (that the user Agreed To) states so and so?