I know this isn't your question, but your question in part depends on it: I can't find any prohibition on using PP to pay for or sell live animals except for their "Alternative Payments Methods" agreement (whatever that is):
https://www.paypal.com/us/webapps/mpp/ua/apm-tnc
All the 'normal' prohibited goods should be listed here, but live animals are not:
https://www.paypal.com/us/webapps/mp...ptableuse-full
I'd be interested in a citation for the claim that PP doesn't allow its services to be used for live animal sales.
I respect some of the other reasons people won't use PP, though.
To answer your question, I use PP for shipped animals, Square reader for show sales (I've only used this for less than a year now). I personally would not use Zelle as a buyer, if I'm correct in believing that Zelle does not offer any buyer protection.