I agree with readytogo, paypal isn't secure in the least. They have some of the worst business practices and customer support I've seen.
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I second that. Paypal could freeze your account and you couldn't get your money out. I've had that happen before. Something happened and my account got frozen. I had to re-enter my security questions and confirm my telephone number. A computer called it and gave me a pin. I had to enter the pin. Then I had to wait like 5 days before the account got reactivated. I think at that point I had about $1,000 dollars in the account. I was freaking out, because I didn't know if they'd reactivate my account. They finally did. But that wasn't before I nearly had a nervous break down. Oh and what was really bad, I couldn't accept payments either. I was totally F'up. I got smart after that and opened several additional verified accounts as backups.
Come to think of it. You might want to checkout Prosper.com. If you don't mind taking a little risk. You might get as much as 27% return. But that comes with some risk. You could get minimal risk and get 8%. I've never lended money through Prosper.com as a way of investing. So I don't know how it all works. Some others here might know. http://www.prosper.com You might also check around and see if there's any friends or relatives with credit cards. Offer to loan them the amount they own at 1% or 2% less then what their loan interest rate is. Then create a promissory note for the amount and you might make 10% or 12% over the next year. And they'd feel like our helping them out by reducing their interest rate. I'm a bit leery loaning money to friends and family, simply because it sucks to have to take family and friends to small claims. I mainly just mentioning these ideas, just to give you some ideas.