> Thanks. This is really helpful. I'm using PayPal because some clients and services only pay with it. I'm spending the money on online services and to buy stuf

> Thanks. This is really helpful. I'm using PayPal because some clients and services only pay with it. I'm spending the money on online services and to buy stuff. Does this make me exposed to risk? Clients here are the only thing that could expose you to risk: if any of them attempts a fraud on you via PP, that will register, and can lead to account disabling, as described above. > Another thing, I'm using my real information. Just a fake address. I heard from a user that he did that and then when he got caught, the disabled his account and transferred his balance to his bank account. Can this be true? And what are the legal issues that can happen? Might be true; I'm sceptical though -there were large number of reported cases, in which no money was refunded after disabling the account. Legal-wise, while they could start a lawsuit, so far there has been no precedence of PP doing so -it simply doesn't make any cost/benefit sense. The most likely outcome is disabling your account, with no money back, and no recourse. Hope this helps.