If you have never received any money before you can bet you will have to wait like a month to access the money you have been paid (if it was an ebay transaction at least).
that happened to me but I have only accepted funds the one time.
PayPal Alternative - Pay Pal Lawsuits, PayPal Complaints & Fraud
For the longest time I always insisted on talking to people and taking checks. I never had any trouble but I always either cashed the check or MO at the place it was written if possible or waited an appropriate amount of time for it to clear. Nothing I did was ever that much money and nobody ever complained out of like 150 transactions. Now ebay requires that you accept paypal as an option.