Why don't you accept paypal?
Paypal is selfish. They'll freeze your account no matter who you are, spend the money and won't unfreeze it until they have your money back.
Heres a perfect example...
In September 2005, the owner of the website Something Awful, Richard Kyanka, set up an account to collect donations for Hurricane Katrina, to be given to the Red Cross. Due to the high rate at which donations were made, the account was automatically frozen, and Kyanka criticized the time and difficulty involved in getting PayPal's customer service to unfreeze the account. In response to the concerns of Something Awful members over the charity used by Paypal, United Way, Kyanka finally opted to have the money refunded to the donors so that they could donate directly to their charities of choice.[