I use paypal, and the client pays the convience fee of 3%. So a $100 bill would be $103 on paypal. Otherwise they can write me a check or pay cash. Not supporting the corrupt banks by acecoting credit cards.
As for paypal disputes, I disputed a transaction unrelated to my business a year ago. They were very helpful and contacted the company and they gave me my products that same day. They wanted a copy of my drivers liscense to 'verify my identity'. After I had purchased from this company atleast 5 times before this with the same credit card and verified my ID many ways.