Paypal is really really bad though Planes, so that is truly giving them a benefit not deserved.
I definitely moved to Merchant Accounts.
Amazon payments, Google Checkout, 1st Data Payment solutions I can take any payment type including credit card- never had a problem.
Before when I was eBay only, I had to take ONLY Paypal, or Propay, both take a huge commission for processing the fee. BIG problem!
In fact I am looking at ways to drop Paypal alltogether, and use Google Checkout exclusively for any very large transaction.
There is not any real processing fee and they can never just freeze your money for no reason at all, it takes alot to cause a problem with them. And for really large payments definitely 1st Data payment solutions, I wouldn't trust anything less!