I use my USAA credit card to pay PP, so it really doesn't matter to me. If someone rips me and PP washes their hands USAA takes care of PP for me.

But the only time I use PP is if a seller will only take PP and nothing else. In which case I just pay what's asked. I think I bought three things off Ebay in the last 12 months so no big issue for me. I'll be honest, I didn't know there were two ways to pay on PP.