I’ve been working in the last few years of getting rid of big tech services. PayPal and Amazon are left. I’ve been questioning the need for PayPal in a world of virtual credit cards. My main reason for using it was security of purchase but I feel this need is no longer there. BTW, equivalent EU service to PayPal that is equally well accepted? Feels like this one may be more difficult to satisfy.
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IMO, the real use case for PayPal was really on the seller side.
When it was 2002 and you weren’t a major business but just wanted to sell three old CDs on eBay or offer dog haberdashery online, it was by far the simplest way to accept a credit-card funded transaction.
We’re still not a lot better there in 2025. Even with more modern platforms, you can’t really get from zero to accepting cards directly in 15 minutes.
Yes, it a scam for us the buyers. They want PayPal, not us.