[Matt3o12_]

In the article, PayPal it's often mentioned that PayPal is generally disliked.

As an international customer, I prefer PayPal over giving them my credit card details. When entering my CC, there is a big risk that my data gets stolen (is the data truly securely transmitted, stored, and processed?). I know I can request a refund that any time with my bank but that is a big hassle. I have to write them a physical letter, and wait for a couple of days. During that period, my CC is blocked and I they will likely issue me a new credit card (which costs 10€). When paying with PayPal, I can report a fraud online or call them and they have been really quickly in responding (I have once not gotten a product and they were very quick in issuing a refund). Also, I feel way more comfortable using PayPal because I can see that the site I'm entering my information to is actually PayPal, and I have two factor authentication. Before I didn't have a CC, PayPal was the best solution because they would just withdraw the money from my bank account and they merchant would get their money immediately.

I can understand why PayPal is not a good choice for sellers (I've heard stories where PayPal blocked merchant accounts for a few months without giving them their money they had on PayPal, and refusing any new transactions). So, can you explain to me why PayPal is a bad/unpopular choice as a customer.

[eps]

Keep in mind that PayPal leaks lots of your personal information to the sellers, including full street address. Merchants don't even need to opt-in to get it, it's all provided by default for all purchases, even when there are no physical goods involved.

[Matt3o12_]

And yet 95% of all my purchases require a billing address, even if they we'll never ever send me a letter. Even better, some even check if the billing address is correct (they send it along with my CC# to my bank and my bank will decide what to do).

[adwf]

In Europe it's the law that you need to record the billing address (for 10 years) otherwise you can't obey the VAT laws.