I've had plenty luck with paypal, maybe I'm just lucky.

I ran into a problem on ebay, where I bought something and never got it, I contacted ebay, they couldn't do anything, contacted Paypal, they took care of it within like 3 days. I got my 13 dollars back (ok, only 13 dollars, but it was my 13 dollars).

I also have a paypal debit card. I've had nothing but luck with it.