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And if we're talking about $100s of dollars per payment...
...my client would be SEVERELY pissed if paypal decided to lock the account, and prevent her from getting at her money.
If your client is an established business, taking payments from PayPal or some other canned, third-party payment provider will look pretty hokey to their customers. I suspect the customers would be a lot more likely to go to a payment page on the client's web site and enter their credit card information than to go through PayPal to make the same payment.
PayPal has its place, don't get me wrong. But in this case, I don't think it's the right solution.