I use paypal to process the credit card transactions for my business. They’re cheap and the system works well. I have not had any issues until recently when an international buyer issues a chargeback and I’m out almost a grand on the deal. Paypal has let me access the funds as I guess these take a while to work out but we’ll see what happens down the road…I’m sorta doubting I’ll get to keep the money.
But yeah, don’t worry about pissing off paypal. It’s not like if you enter a dispute they’re going to close your account. Chances are they’ll side with you as they usually go with the buyer for whatever reason.