I'm thinking of using them to accept payments from ebay buyers and I've got a couple of questions about their dispute program. 1. Will they automatically freeze funds if a buyer files a dispute? 2. In what instance will I usually win a dispute without much if anything. I know on paypal you'll often win in cases where the buyer files a "not as described" dispute. 3. Do they attempt to reverse payment withdrawals to your bank like paypal?