Honestly, if I didn’t accept anything in your list, I don’t think
I’d sell anything at all.
I accept Paypal, but the goods have to go to the confirmed address
on the Paypal account, and I send them in such a way that they have
to sign for them. Thus far knock on wood, that’s avoided fraud for
me. The whole idea of the “seller protection” policy seems to
discourage the slimeballs.
Similarly, if I do a credit card charge, I also insist on a
signature upon delivery, and mail only to the billing address on the
When I accept a check or money order, I deposit it immediately and
do not mail the goods until it’s had at least a week to clear.
If my clients do a local pick-up, they sign a receipt saying exactly
what they’ve received and that they’re happy with it, whether they
pay by check or paypal or whatever.
Thus far, with these rules, I’ve done well.
It helps to have one’s timespan from deposit (non-refundable) to
completion be longer than 45 days (Paypal’s upper limit on
challenges); at least then if someone tries to pull something, you
have the deposit which should cover out-of-pocket costs.
I know new methods of defrauding are always being invented… but if
people can’t pay for my work, I can’t sell it, and I’m out of
business. So far pretty basic caution has worked out OK for me knock
on wood, again.