I couldn't run my business without paypal. it's a must have for me. I have it connected to our bank account and our credit card but I almost always have a balance in paypal so nothing ever comes out of the bank account. I haven't ever had any trouble. One time paypal said there was some suspiscious activity and shut down the account until we called in directly to verify ourselves and once they unlocked the account we had to change our password before we could do anything. Paypal has excellent customer service and they really do everything they can to help if there is a problem