I am not happy (I suppose same goes for many of paypal customers out there) to purchase a key from each website I transact. 1. Security Questions are good. 2. TOTP token which we can use with Google Authenticator or other app is OK. 3. FIDO U2F is good actually Ingenious awsome second factor. By good I mean we desire them. If in doubt Please learn from Google regarding authentication options. Hope paypal listens to this positive feedback.
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