i myself prefer paypal even after the 3 1/2% fee when using the goods and services option.
in my OPINION it's the safest and most secure and secure digital payment system when using the goods and services payment option. i just figure the fees into my selling price.
i regularly read posts on facebook about how someone scammed them using the other online payment methods.
in my OPINION. if the seller won't accept paypal goods and services payments this is the biggest red flag of it being a scam. if they don't accept paypal goods and services method i won't buy from them unless the transaction is done in person.