I meant choose PayPal in geneal as something that goes hand in hand with making the initial choice to sell online, eBay specifically, rather than the choices you get after you decide to sell on eBay. 

Paymate's T&C's are similar, but they will provide no protection for a genuine unauthorised use claim. They will fight a chargeback, but you can only win or lose, they won't pay on your behalf if you lose but have proof of postage / delivery to the address provided - PayPal will (in certain conditions), so they provide you with a means for protection against fradulent use of their service, which is what you seem to be asking for.