After years of not using my Paypal account, I found an item on eBay for much cheaper ($90 off of a $400 purchase) than anywhere else. The only payment option was Paypal so I thought "what the heck, I'll use them".
First, their UI hasn't improved much in the several years since I've used them, with the exception being annoying fade-in / fade-out popups. They show you an advertisement on logging in for their private label credit card. Once you try to check-out, they make it extremely difficult to change your payment method from "Bank account" to "Credit card". I don't know about you, but who the heck uses their bank account for ecommerce these days?
At least with a credit card you can contest the charges, but with bank draft, Paypal has your money whether you get your goods or not. Trust me, I spent months battling with them over a $1000 keyboard 7 years ago, and they were worse than useless.
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