Sorry, Olivia. SImply saying that the ability to receive an SMS message is a requirement for logging on is not an answer to the problem. Do you, personally, think it is acceptable that people who do not have a mobile phone should be unable to use PayPal? Do you think that people who live in areas where there is no mobile phone signal should be unable to use Paypal? Surely the whole point of Paypal is supposed to be that anyone can use it anywhere - that is, after all, what Paypal's advertising tells us.
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