>>10941565
No, I didn't say it was for idiots, though I implied people that use it exclusively might be dumb.

So anyway, baggage. Ancient past, didn't like being forced to use PayPal with eBay, didn't like yet another account to maintain, didn't like the implicit rise in prices due to PayPal fees.

When I sold through marketplace venues, I didn't like that you needed a separate PayPal per venue, lest all deposits land in the same place. If you have Stripe, you can set up sub-accounts with an API key, so notifications and deposits can go to different places. Much easier to keep track of where your sales are coming from.

Support was not helpful when they up and disconnected my bank account out of the blue once. The error message was "oops try later." Couldn't fix it without calling. When I finally got it hooked it back up, I learned you can only connect a bank account three times. Since the disconnect was randomly done by them, nothing _I_ can do to prevent it.

Now that I don't sell on eBay, I run into problems because I did. PayPal often recognizes my address or credit card and comingles transactions across my business account and my personal e-mail. Sends vendors the wrong mailing address, sends notifications to the wrong e-mail, etc. Occasionally it even auto logs in, no matter how many times I purge the cache, so I _can't_ make a purchase except through the business account. Pain in the ass.

But it still doesn't answer why people will plug a credit card into PayPal but not another blind processor. There's no benefit. All hide credit card numbers and allow chargebacks. Unless, again, you're using it as a proxy for a _bank_ account. Which is almost as dumb as paying by debit card where you risk _your_ money instead of the bank's and have all sorts of ripple effects from having to change your account number (new checks, new payroll deposits, etc) in the event of a breach.

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What's with the PayPal-or-nothing mentality?