I provided services (nothing to do with IM) to a buyer, and he happily paid me $100 after receiving the services. PayPal told me that an "unauthorized transaction" was suspected, and put a hold on the payment. They told him that the payment hadn't been approved yet due to a "random security check", and he emailed them immediately saying that the payment was 100% legitimate and must be approved immediately. I also emailed them telling them that the buyer has already recieved the services and that the payment is legitimate.
About a week later, they've just reversed the payment.
My PayPal account only has relatively small amounts of money going through it, and I've never ever had any kind of refund or complaint from any buyer in any way. I keep most of the money I recieve in PayPal for a long time, and only use it in small amounts.
The fact that they told us different stories, and completely ignored both our communications is, in my opinion, utterly unprofessional and I urge everyone to try to find a better alternative than PayPal if possible. Lucikly I know the buyer in this case so PayPal's appalling behaviour will not affect his opinion of me, but in so many situations, this kind of thing could cost me valuable business if the buyer doesn't know me and associates me with the problem.
I'm looking for an alternative payment system, and have so far found that AlertPay seem to be no better (they've got some unspecified problem with Visa transactions, and say they have no idea at all when they might be able to fix this problem, as well as having contradictory information on the verification process etc.).
I wonder if V.me will be any better.