Jim:
I didn't mean to point a finger at you - I was more thinking of the person that started this thread, and those that chimed in saying PayPal was
evil because of a personal experience. I understand your reason for not posting, but if it happens to me...you can BET I'll be posting the info to help sellers from getting screwed by the same person the next day. Scammers learn the trick faster than honest people do!
I also insist on money orders for payments that are anything less than in full - for the reasons you list. It's just smart. HOWEVER, there are times when I can't ship within 7 days for HONEST reasons (blizzards, excessive heat, etc.). Does one turn those payments down? Nah, not really.
I don't think getting screwed should be a cost of doing business, BUT Wal-Mart (and the like) factor in shoplifting costs when they put price tags on items for sale. It IS a part of doing business. That doesn't mean it is one we like. It doesn't mean it isn't one we should fight to avoid. It is part of overhead, though, whether we admit it or not. Any business that doesn't prepare for it is not likely to be a very successful business. This isn't news to any of us. THIS ALL BYTES - I agree with you there completely.
On the 3%, since it is the same I paid to run CC myself (without a monthly charge for the service), it doesn't bother me too much. Heck, I pay with everything around town with a CC, and they've never given me a single complaint.
Of course, the CC are better to users than PayPal, eh? LOL.