Counter-argument: as another customer, I much prefer anything but PayPal, which even pretends to offer guest checkout that you'd think might be no worse, but then actually creates an account 'for you' and emails you forever.
It might be a deal-breaker for me, and if another option exists, I'm hsing it 100% of the time. I don't need to log in, password manager or browser has my payment instrument saved ready to auto-fill, and I don't have to worry about security or privacy as much.
Your metric is asinine. I use PayPal only when absolutely necessary and/or basically low value items where I don’t care too much. I have a Facebook account too, doesn’t mean meta still isn’t screwed.
And why is this a popularity contest or that the uniformed public’s (or your) opinion matters? People do dumb financial shit all the time. In the US at least, PayPal puts you at a disadvantage from a fraud protection standpoint since they are yet another unfriendly, large essentially unregulated middleman to deal with.
They also conflated PayPal, Apple Pay and Google pay, so I’m not sure I agree that what they were saying is “most people prefer PayPal”. PayPal has a tremendous market share - not sure I’d agree that it’s really a preference.
If it's the first option, it's probably cause it's preferred by customers. It doesn't do anything good for the seller. Little Snitch in particular has credit card on the LHS and PayPal to the right, which kinda suggests PayPal being secondary.
Sure it does. It gives them relatively more chargeback protection at the expense of the consumer. And yes I’ve heard all the seller griping that this isn’t the case - as if it would be expected that they could shield them from 100% of chargebacks - it doesn’t make it true. It’s relatively harder for a customer to even get forward in the dispute process with PayPal in the mix. These sellers often aren’t evening seeing these killed disputes.
I was always under the impression that PayPal sided more with the buyer, but I'm not so sure. Hard to tell either way. At least they support a wider range of disputes than a CC would, question is how many customers can get that far.
> Your "emails me forever" is not a real concern for 99% of users.
I'm not saying that is itself much of a problem, just that it isn't a guest checkout. It's not the accountless WorldPay/SagePay/Stripe/... alternative it presents itself as.
(As a result, more people have a PayPal account(s) than know it or want one. They refuse to delete mine without proof of identity, which I certainly didn't provide during checkout when it was created 'for me', so is not warranted and I'm not going to provide to allow my 'delete' request to result in net more of my data held...)
It might be a deal-breaker for me, and if another option exists, I'm hsing it 100% of the time. I don't need to log in, password manager or browser has my payment instrument saved ready to auto-fill, and I don't have to worry about security or privacy as much.