I know there are lots of "horror" stories, but I have used Paypal to send around 100 payments and have never had an issue.

I would like to see the stats on how many transactions they process a day vs. the number of complaints. I don't believe paypal was started by some huge corporation that had a ton of experience dealing with customer issues. I also don't believe the founders ever imagined it would grow as fast as it did.

But I think I digress.