Paypal is very unsecure and does not protect their customers against fraud, nor do they make good any actual fraud that occurs on your account. Someone hacked into my account, set themselves up as a user without me knowing, changed the primary email to their email, set up their own bank account, withdrew money from my checking account and transferred it to theirs. I lost over $2,700 before Paypal reps finally figured out what happened and eliminated the user. I filed a fraud case with Paypal and despite the fact that the Paypal rep that I was speaking with said it was a very clear case of fraud, Paypal denied the claim, stating that it look like regular activity on my account. I appealed it twice, and both times the new reps on the phone assured me it should be a no brainer fraud claim, the powers that be at Paypal denied the claim again both times. At this point, I would honestly like to start a class action lawsuit against them, because I have to believe I am not the only one they are doing this to. In any case, I will never use them again and I highly recommend no one else does unless you want to lose your hard earned money.