Different companies have different risk profiles. A bank that operates entirely in one or two countries has a very different perspective than Paypal who operate

Different companies have different risk profiles. A bank that operates entirely in one or two countries has a very different perspective than Paypal who operates in 200+ countries. Just to give one example: If you sold a comic that was offensive to Muslims in the US, it might get on the news but would ultimately be permitted. If Paypal allowed it, they could get blocked from countries that are predominantly Muslim. My bank offers international ACH, but only to Canada, Mexico, and Europe. I believe there is strength to limiting yourself to these. Paypal have chosen to operate as widely as possible, which can be a weakness in what they can allow From what I've seen, it's generally far more expensive to do international banking in most countries. My bank will do it for places like the Phillipines, but only as an expensive wire transfer. I think if it were easy to offer low-cost banking, they would offer it.