Great, thoughtful advice, Angie! Thanks for sharing your experience and recommendation.

My personal opinion based on experience:
I use PP now, but after 20 years of having no problems, no charge backs, nothing negative etc, I get limited and 1 month of frustration, loss of business and etc, and many others are experiencing long delays, as well as losing accounts altogether, while scamsters are using the platform to get rich.

I have also used Stripe and Square, and Stripe is now the main processor in my stores, and PP is only there as an alternative.
My advice, use anything but PP, and I know a lot of people use, or prefer it, but try to use it minimally, or not at all. People STILL buy! If they want your product, they will buy it with the processor of Your choice.

PP will eventually get around to creating nightmares for all members, whether they have stellar accounts, or are scamming folks, and there are many folks using it to do just that.
So my advice is set yourself up with Stripe also, so you have a backup if you are using PP as your main.