Ms. Evelyn, thanks for the additional data.
PayPal is especially vicious when confronting a merchant account. If still operating as in the past, PP always withholds a portion of payments into the account pending protests, reversals, etc. If the merchant has a significant amount withheld/pending, the entire account is frozen until the issue is worked out.
In the instance of a TOS violation, PayPal will try to never pay out what is in the account; the money just disappears somewhere, likely reverts to the customer, but who knows. PayPal is obviously subject to federal Treasury oversight on money laundering, so any accounts on PP may also be compromised somehow if reports filter back about TOS violations.
Visa gift cards (Green Dot, etc.) work very well, assuming, of course, that the lady is able to verify the card's positive balance before engaging with a client. I have not heard of fraudulent Visa gift cards being used locally, as yet, but we all know the crooks are working on that as much as anything else.
http://www.creditcardchaser.com/fake-credit-cards/