PayPal does not come back later, that's the point of paypal. PayPal hedges against chargebacks and handles them itself. In case thinks you're above the average risk, it will start freezing your account temporarily. But they will never come back after 180 days and want your money.
On the other hand if you sell directly via credit cards, the credit card company can come to you after 180 days and want money back.
On the other hand if you sell directly via credit cards, the credit card company can come to you after 180 days and want money back.