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Pay Pal is a favorite tool for sending and receiving money online.

It is one of the oldest services available, but whenever you link your financial accounts to an online service, security should be at the top of your mind. For the most part, Pay Pal is safe when you use it to send money.

However, for whatever reason, Pay Pal seems to have a reputation for being especially difficult to work with. Expensive items are (not surprisingly) the most appealing targets for thieves.

Perhaps that reputation is well-deserved, or perhaps there is just a vocal minority. To reduce the odds of a problem, try the following: In the past, businesses selling intangibles or charging fees for service were immune to Buyer Protection problems. So, be sure to document your communications so that you can provide proof to Pay Pal if there's a dispute.

As long as you have a secure connection to the legitimate Pay Pal site, any information you exchange is hidden from prying eyes.

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.

You can plead your case, but you’ll need solid proof to get Pay Pal to decide in your favor. Customers can also reverse credit card charges easily.

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