I also make ALOT of money on Ebay and having this stuff takes care of all that....I just make it a CONTRACT when they bid AND those terms are PART of the contract to bid....NEVER had an issue since I started using them and I absolutely would present these terms to BOTH paypal and vi/mc as needed....each to their own...I just CYA and in general, the THREAT of them losing wins 99% of the time if they tried any crap... :)