if a customer does a chargeback with bidpay--bidpay doesn't take your money or freeze your account. i pay for auctions with pay pal--but i will absolutely not accept payment with pay pal. i only pay for items with pay pal because some seller only allow pay pal--Hey, that is their requirement and if i want the item i have to agree and pay with pay pal. Mine is that I don't take pay pal payments.
My husband is still trying to fight pay pal on his issue. in addition to them freezing $1,000 in his pay pal account, they assessed him over $3400 in fees because he would not allow them to take money from his bank account and every time they tried and they couldn't they would charge him. even though he told them that account was closed. further, pay pal sent emails to sellers telling them that funds he paid to them were being held due to potential fraud--well that just created a series of more problems. sellers calling us thratening that we stole their merchandise and were fraud. all this because pay pal withdrew the funds paid to the sellers and froze them. to this day they have not released those funds--almost 2 years and my husband ended up having to either return items or pay for them a second time. Pay pal used very threatening and harming language when they stated to the seller's that the money had been put on hold "due to potential fraud" that just got these sellers up in a frenzy. Even now that I use pay pal to pay for items--it is always with a prepaid debit card--they did it to my husband and they won't do it to me!
I'm glad pay pal works for some--unfortunately, it didn't for him and I will gldadly take that as a lesson learned. I'd rather take my chances on loosing a sale than taking my chances with Pay Pal.