> They maintain that perception by having a massive bias towards consumers at the expense of merchants. So you mean they maintain that "perception" by actually

> They maintain that perception by having a massive bias towards consumers at the expense of merchants. So you mean they maintain that "perception" by actually doing it. Their business practices are shitty, and they treat merchants terribly, but it's true that as a consumer, it's really easy (maybe too easy) refund and cancel payments with it.