Yeah. this is how I do it.
Gold/Items/Etc:
I accept both then cross trade.
Unless it's an account then I will do a recovery test unless "BOTH" sides say no. Although it should be done.
Paypal, Etc.4Gold/Items, Etc:
I accept items, etc. and do a recovery test on account, if necessary.
After it is secure I will give the go ahead to pay the person.
Then give items, etc. to other person.
This way your paypal won't be *f'd* for others chargebacks.