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I don't think there is any actual advice in this thread, just several members relating their own experience with payment methods - just as you have.

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Thanks everyone for the feedback! I really appreciate it.  It's been great getting the pros/cons and everyone's experiences. I've also picked up a few things I wasn't aware of, so it's been good.

I've also decided to keep offering Direct Deposit as I am a small seller and want to offer buyers that extra option in addition to paypal, but I can definitely understand how it can be time consuming for large sellers and like everything, everyone will experience different situations with Direct Deposit which may be good or bad.