[Strom]

The fee is paid by businesses, not the end-user customers who use PayPal. Thus it doesn't even enter the equation when users choose PayPal.

I personally like PayPal because then I only have to update my card info in one place as opposed to 50 different websites. Also when some random website gets hacked, I can be sure that my card info isn't getting leaked.

In addition, some sites only accept cards that have been issued in a certain country, usually the US. When they also support PayPal, I can usually bypass this restriction.

[shitgoose]

guess, to whom the business is passing these 5%?

[Strom]

Paying with a card may cut down the fees for the business, but it won't cut down the amount that the end user has to pay.