We used to use Paypal as payment processor but when someone opens a case on whatever issue then all of our TOS goes to the bin. Paypal dont care how you want to run your business since they enforce their policy and "after careful consideration" their automated system refunds the money to the buyer.
Paypal dont care if the buyer abuses our company's TOS or what was the issue. They just refund anything even after 6 months. (I wear my shoes off in 6 months) They dont care how the item has been returned, in what condition etc... they just refund. This is why buyers just love it and exactly this is why we got rid of them and started to use Stripe. With Stripe we can decide if something was faulty or got broken or the buyer just want to abuse our TOS. Stripe dont involve and let us control our own business. Yes... we have tons of customers turning away and we have lost revenue. We knew this and we 100% accept it. We use Stripe for 3 years now successfully and nobody tells us what money we MUST return. We sell £300-£800 worth of parts, tools. We rather loose revenue than accept "received empty box" claims. We the seller pay the Paypal fees but Paypal's policy built on buyers protection only. So no thanks... we would rather give our fees to someone else (Stripe) who actually let us run our own business. For us Stripe = FREEDOM Good luck to Paypal but we will never deal with them again.