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Nothing is completely risk-free—glitches and data breaches are possible anywhere.
Perhaps that reputation is well-deserved, or perhaps there is just a vocal minority. To reduce the odds of a problem, try the following: In the past, businesses selling intangibles or charging fees for service were immune to Buyer Protection problems. So, be sure to document your communications so that you can provide proof to Pay Pal if there's a dispute.
To take advantage, you need to report the transaction quickly, but Buyer Protection does not cover all transactions.
Buyer Protection is similar to the benefits you get with a credit card: You can reverse the charges if the seller fails to deliver what was promised.
Pay Pal uses industry-standard security features that you’d expect from any large financial institution, and the company even offers financial rewards to “white hat” hackers who discover vulnerabilities. A layer of protection: If you’ve ever used your credit card online or handed a check to a merchant, you’ve taken just as much risk as you take when you provide that information to Pay Pal.
If you didn’t know, thieves can find your bank account and routing numbers on any personal check, and they can (try to) use that information to get money from your checking account.