Here's the deal. I have a personal Paypal account, completely legit, in my name and all. It's 2 years old. I'm staring a Fiverr clone (I know, I know), and Paypal is how I'll be receiving my money. Now, the theme I'll be using - There is also the possibility to use escrow through PayPal adaptive for even more secure payments. What worries me is chargebacks, and fees. Say someone buys a gig, I get $1 and the seller gets $4, and then the buyer does a chargeback, I send him the money back. But, if I lost, say, 3.90% + $0.30 on receiving that money, then I'll be basically losing money at this point. How exactly does the escrow/paypal adaptive thing work? I'll have to upgrade my account to Business or Premium I take it? Could anyone shed some light on this, please?