I couldn't agree more. The recent launch of SMS as the only widely supported extra layer of authentication just shows how completely lax PayPal is about customer security, and outdated in terms of multi-layer authentication. I am not joking, the minute I find a similar service - it could even be worse - that supports TOTP / Google Authenticator = sayonara PayPal. It is 2018, and ALL serious payment services in developed countries have had one or several widely supported 2FA for years!
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