I still believe "its fly by your seat".
Thus far, I have found............for me and my shops, that people purchase with DC are honest buying customers. I have used the refund process and I have accepted etsy form of payments. I have not had a "gift card" go through easily YET.
I do still prefer Paypal over any other form of payment, unless someone wanted to pay by Square, I could do that and then Square guarantees payment process.
DC is still in its infancy and I believe they will get it down to a point where we receive our funds sooner, well at least that's what I'm hoping for.
Good Luck with your shop, Teresa.