until you accept it. The buy can pull up his account and simply hit cancel.

I didnt originally take credit card paypal because they take a cut of the money for that. BUT, i finally did because it was :

1. easier for alot of people if the people that are buying dont buy often from Paypal, they wont want to bother setting up a verified account with direct withdrawal. Others dont do it because they are afraid of the security risks. I know, I know...there's no risk...but try to tell it to them.
2. I have read a gazillion times (no, i havent actually counted)how the best and safest way to protect yourself is to pay via credit card. That way you also get the insurance from the credit card company and also can track better then via a check. Canceling is much easier as well.

So I finally switched and just accept that they now take a cut of all transactions that pay me via Paypal.