If you take any credit card payment and do not deliver to the card holders address and do not get a signature for proof of delivery the card companies will take the money back out of your bank account and give it back to the person whose card was used fraudulently. Paypal's rules are pretty much the same. This is irrelevant to your original post Limbo and I am not sticking up for Paypal, more a sort of FYI heads up re credit cards generally.