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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.Funding method: For extra protection, it’s a good idea to complete Pay Pal purchases with a credit card (use your card as the funding mechanism—not an "instant transfer" from your bank account, debit card, or Pay Pal balance). If Pay Pal decides not to refund your money, you can try disputing the transaction again with your credit card issuer.
Buyer Protection: Pay Pal’s Buyer Protection program might reimburse you.
Customers can claim that goods never arrived or that you did not deliver what you promised, and Pay Pal seems to assume that the customer is (almost) always right.