I'm glad the Op decided to rethink this and go with another option, but I just wanted to pipe in on the Paypal method. IF the horse had been misrepresented and you paid through Paypal as a "purchase", then you would have been protected.
Back when I first started riding again and got the fiery bug about purchasing a horse, I contacted a seller about an OTTB. Within 5 minutes of our conversation, she was acting like my bestfriend and like she had been selectively waiting for someone like me to purchase this horse. I let her convince me that a GREEN 3 yr old stallion OTTB was a great match for me (VERY GREEN) and I would be the envy of my barn because he sold for $90k as a yearling and I would be getting him for a steal at $2500. I knew nothing about the workings of yearling sales in the track world. She was quite the salesman for a newbie horse person, and I fell right into her trap and sent her the money through Paypal on her website.
After getting online and doing some research, I found out a TON of info that this woman was a scam artist and sold crazy, lame horses to unsuspecting people, two of which I spoke to personally. She'd changed her business name 5 times in the past 6 years to run from negative reviews. It wasn't until I searched HER name and not the business name that I was able to find everything. Looking even further, I found that many aspects of her website were fake or stolen pics and the address listed was for a shopping center in downtown Lexington.
With that said, it was Paypal that saved me. I immediately filed a dispute with Paypal and they yanked the money back out of her account and told her she had to respond to the dispute. She couldn't, of course, and instead threatened to sue me for breeching our sales contract. I invited her to try me since the horse was still in her possession. She knew she could not dispute the claims I provided Paypal and issued a prompt refund. If she had not issued the refund, Paypal would have done it for her.
If I had sent this woman a check or money order, I would have just been out of luck. So yes, buying a horse sight unseen without someone you trust that can vouch for the horse is waaay too risky. But Paypal, if you're going this route, is probably the safer way if things don't work out.
I also just recently put a deposit down on my new horse through Paypal. It was my suggestion to the seller, of course, and I did see and ride the horse in person and get feedback from knowledgeable people before the purchase. Should the horse not pass PPE, the seller is easily able to refund the money back to me through Paypal.