All of these things are fair though. * Paypal charges the merchant more (in terms of fees in some cases, holding funds, and time wasted dealing with PayPal's n

All of these things are fair though. * Paypal charges the merchant more (in terms of fees in some cases, holding funds, and time wasted dealing with PayPal's nonsense), so why wouldn't they inform customers of this? If you have a loyal user base they would want more of the money to go to the merchant with less friction, not PayPal. * Paypal is slower/riskier/less customized, etc. Have you done a checkout on PayPal recently where you didn't have a PayPal account? It sucks. * Disallowing certain items is absolutely necessary. PayPal can (for no reason at all) allow customers to hose the merchant, and often it can be much more annoying to get a refund even when the merchant seems to want to provide one. So yeah, when the service offered is equal, maybe we can discuss equal treatment, but until then people should be recommending their customer's don't use PayPal if they don't have to. The alternatives are lower cost, easier to use, more customer/merchant friendly, and generally more enjoyable to use. I've gone my entire life without creating a PayPal account (even when I have to use it as part of the checkout process) and I see no reason to change that now or ever.