PayPal has been my payment mode since I started my career as a freelance writer. I never had problems with them and I guess I won't consider other online payment options any time in the future.
The best payment processors I've found is. Top: Paypal Second best: Alertpay Third Best: Revolution Money Exchange - Just as good as paypal Fourth Best. Solid Trust Pay
Paypal is the best provided you dont mess up with your account and also buyers or sellers with whom you have frequent, large transactions also don't do anything that puts a red flag on all connected accounts. Get your account verified at the earliest possible.
Right now I'm depending on google checkout and merchant accounts .... I really hate paypal and their dumb fees and rules. =P
The best payment option is to use a real merchant account. You don't have to worry about any faulty TOS, and your money is actually SAFE.