I think all the dealers should forget about paypal and othere online payment processors. In my business the average deal is around $20,000 and all of my business is over the phone. I used card services aka linkpoint for my processing. They have a portal on the internet to process credit cards and electronic check drafts. I have had a lot of charge backs over the years. Card services notifies you of the chargeback and gives you 10 days to respond. As long as I provide them proof of shipment the chargeback is reversed immediately. Furthermore, real credit card processing companies rarely freeze your account. They may freeze the amount in question but allow you to continue doing business. Also the fees range from 1.5% to 3% and it is easy to get a merchant account for an average sale of around $1,000.
I hope you didn't make a mistake by signing those affidavits though TTK. Paypal are real scumbags and they have you by the balls now. They have no regard for anyones business or money.