Well I have been on both ends of bad Paypal transactions.. and they basically just told me tough luck both times. If you buy something that ISN'T on Ebay they couldn't care less about you, and will tell you that. On the other hand if someone buys something from you and claims it was an unauthorized transaction they will reverse it QUICKLY. Having said that I think it's good to have as many payment options as possible, which makes Houstons idea of integrating a third party script the best choice.