No current outstanding disputes against either of these books that I'm aware of at this time.
Both
Topcat and
BetOnline are good from a safety of funds standpoint. However as you mentioned above the limits at TC are a bit lower than BOL, which is a turnoff for me personally.
The customer service is great at both books, however BOL does offer better service via their live chat feature IMO.
As far as payouts go.
SBR poster Jaypavs just received a rather sizable prompt payment from
Topcat back on 2/15/08.
I haven't read any current posted payment info from
BetOnline, so I can't give you an approximate time frame on arrivals. However, it usually takes 2-10 business days.