I haven't had a problem with Paypal in my years of usage. You are allowed two Paypal accounts (Premiere and Personal). So you can direct credit card based payments to your Premiere account and non-credit card payments to your personal account. This is handy if you only want to use the Premiere account when you are selling a large $ item.
Question on verification: Does anyone know if you can link the ING Direct savings account to your Paypal account?