PayPal allows them to reverse payments, and is a horrible operation for myriad reasons. Avoid.
Venmo (despite being owned by PayPal) and CashApp do not allow transactions to be reversed, but may bar you if they find you're using the app for commercial purposes (not necessarily anti-escorting, just anti anything commercial). But that's rare, and not using an app for fear that you won't be allowed to use it makes no sense, so go for it.
I keep an empty checking account that I transfer funds from these apps into, and then from there into my real account. The terms of service say they have the right to go into your checking account and yank funds back, so the intermediary step protects me from that.
When a new client asks to use an app, I say fine, but we process that transaction before the session starts. More than once in the past someone was shocked, shocked! to find that his app wasn't working after the session was over.
Do not put the words PayPal, Venmo, CashApp in your ad.
Make sure your Venmo account is all set to private. (For some reason they view themselves as a social platform and the default is to publicize every fucking transaction.)
You can get a debit card which draws funds from any of these apps and allows you to shop online, at stores, etc.
Kevin Slater