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We've been using PayPal for nearly 11 years. No complaints, but we may be lucky. Only a handful of refunds or reversals. But, as it was stated earlier, it is really the credit card issuer that causing the issues - especially in these times with regard to liquidity problems faced by many financial institutions (BofA has lost 50% of its stock value this year to date), and issues in the derivatives markets. Lending money (which is what a credit card purchase is) is tightening, and the rules are evolving at the expense of small business.
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