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Who considers PayPal a sweetheart?! PayPal is by far one of the most heinous companies I have interacted with on a regular basis. Outside the US many banks offer simple QR payment options, the direct transfer difficulties US citizens encounter that make services like PayPal and Zelle necessary are entirely self imposed.
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100%. They had a place back when banks barely knew what the internet was. But I think their time has passed.
PayPal is Intuit of the payment processor world. Paypal has actively lobbied for legislation(or lack of) in ways that has hurt American consumers.