[redm]

"PayPal have all the power of a bank and yet none of the responsibility."

That is precisely the problem, PayPal is on the hook for any credit card charges for 6 months so they are much more willing to protect themselves then to try to understand a specific situation. They are a black box when it comes to these types of issues, you feed lots of information in but you get almost nothing in return.

Banks usually transfer funds nightly and they don’t hold subscriber information hostage.

It would be one thing if PayPal was amazing to use but they are just one technical or customer service blunder after another.

[milesskorpen]

No, its not. PayPal is a bank in the European Union.

[redm]

From a purely end user perspective, PayPal does not operate like any of the Merchant services I've worked with. I'm sure its partially related to the additional liability PayPal takes on for processing a CreditCard that they do not issue but, in the end, the way they operate is not pleasant in any sense.