Why are they holding your money? Sounds like you haven't done too many transactions (<20) or shipping to unconfirmed addresses. Anything over $250 has to be by a shipper that uses PO's (RL Carriers/STI) .

I just bought a $2k 3d printer. The first company I went to didn't take PayPal, so my business went to someone who did. Just saying.

BTW I have never had a problem, but not saying some people do (Although I think Pinside blows it out of proportion how easy it is to manipulate). For me Paypal is huge. I hate typing my CC info on some unfamiliar site, so it's convenient. They also offer 6 months same as cash, which I always take advantage of. In my case I look for businesses that accept it.

But if you follow the rules you can minimize them. I've had to submit paperwork with Amex and other card services to prove a purchase was made. Provided the original order, submitted shipping documents etc.