Generally, the seller of Bitcoin takes 100% of the risk when taking money for Paypal. If you are a buyer, you have the control to ideally chargeback any transaction you want to. So in theory, the website which I mentioned is ideally the platform that takes all the risk. However, if you do not live in the United States, then this probably has no use for you because there are probably methods which allow you to buy bitcoin a lot easier than here in the United States. The website i am looking to develop accepts all major credit and debit cards, but that is the standard of almost any site which is why I didn't bother to mention it. The biggest difference would be the low % fees for using those methods. Someone who replied posted about Circle, and I love Circle but also think they can improve in some areas and I would try to incorporate those ideas in this development. One of them being raised limits for instant buying of Bitcoin. I'm not going to lie its really hard to develop new and improved ideas because of just how many exchanges there are these days. Any ideas would be great and I surely will take them into consideration.