It seems that the primary complaint about PayPal is the inablity to "bounce" a payment.
But, what the hey, a deal's a deal. If I pay somebody with green, I can't pull it back, either. For that matter, after a check clears, it's all over, too.
If bouncing payments is a high priority, MasterCard works best.
You can hollar "fraud" four months later and still get results. At least temporarily, providing the seller doesn't counter-attack.