Go to Costo or your bank, get a bank regulated merchant account. The fees will more than be worth the piece of mind to not play the Paypal game
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When you use Paypal you agree to let them do this based on their TOS. A buyer can return an empty box and as long as a tracking number shows delivery you are DOA.
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If you must sell on Ebay then go to Costo and get a merchant account. The merchant account may require a reserve up front but as a regulated banking entity they can't arbitrarily freeze/seize/hold funds as Paypal does.
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Go to Costco and get a merchant account. Your life will be much easier dealing with a regulated payment processor that is subject to banking guidelines.
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I would not give Paypal any personal info either. I use it to pay for goods via a reloadable visa prepaid card which I only put money on when I have to pay for something.. The bank account I "verified" when I opened the account has long since been closed. I would never give Paypal open access to any of my everyday financial info. They are not a bank, not governed by banking regulations.
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