Banned - dispute thread -https://www.epicnpc.com/threads/944875-Issue-W-SweetKiss
Personally I think Paypal is the better option.
What if you buy something and you get scammed? You chargeback (it works both ways prevent scams and to be scammed) As long as your cautious on how you do the business you should be fine.
Paypal has a credit card now that you can get your funds instantly.
So its on how you use it, and how safe you are with information, like making sure you confirm everything, and make sure theres enough proof for paypal to say hey this guy got scammed