So we can agree to disagree. I do agree that the setup & monthly fees of a standard merchant account are a consideration. However, if you're a high volume merchant with a long-term established merchant account, you are generally rewarded with more favorable rates. That being said, paypal was quite beneficial during our early years including the start up phase. In the early days of internet commerce, sites with paypal were the only ones I'd purchase from (although that has definitely changed with the advent of requiring PCI compliance). I've recommended paypal to dozens if not hundreds of people over the years, and continue to do so. I'm sure PayPal is a wonderful asset for your small business and many others alike, but for larger businesses the added benefits of PCI compliant accounts for chargeback protection, fraud,customer service, etc. is definitely worth it. Although we continue to include paypal as a payment choice to our customers, I'm acquainted with several other merchants who absolutely will no longer offer the paypal option after being burned by paypal's inability or unwillingness to assist when fraud has occurred.
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