So in the US a company can just help themselves to funds from your chequing account? This isn't possible in the UK - they can deposit, but they can't withdraw anything without my bank being in possession of a direct debit authorisation. The direct debit guarantee ensures that I get my funds back immediately and automatically in the event of a dispute. In any case PayPal don't use Direct Debit.

The worst they could do is withold funds in my paypal account, which I empty out within minutes of receiving anything

If they find a way to rip me off I'll let you know!

Rob