PayPal can only really cover animals in certain cases and I don't think horses are included, just things like small tropical fish haha. If the customer issues a chargebck with there bank and the bank allow the funds to be pulled back, PayPal would not be able to remburse you, this only happens in certain circumstances. If the transaction is outside of eBay then it will most likely just clear straight to the account, it may go on a security review just to make sure the transaction is legitimate. If it seems a bit dodgy in the language they are using then it might be best to offer cash on collection, that prevents any way of the bank pulling the funds back. if they insist on PayPal, only agree to hand the horses over once you can definitely see the funds avaiable on PayPal but as I said, I'd advise cash on collection as PayPal can't cover animals under seller protection.
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