"Which do you think seems more fraudulent?" Any corporate destination for personal purchases looks more fraudulent than any home address. Home addresses -- mos

"Which do you think seems more fraudulent?" Any corporate destination for personal purchases looks more fraudulent than any home address. Home addresses -- most notably the one correlated with the account -- have easy traceability. A package being delivered into the bowels of a place with thousands of employees, not so much. I'm quite glad that any paypal purchases made on my account can only be delivered to my home address. Seems pretty logical to me. "Oddly, Amazon has no problem with this" Amazon is the seller. They take the risks because they have a large-margin product that they are selling you. PayPal is a very small margin payment facilitator. Your comparison is not at all valid, and borders on ridiculous. "maybe because they're indemnified against fraud losses by the CC company" This is absolutely wrong. The CC company bears absolutely no burden for fraud beyond the administrative hassle, and it is wholly on the merchant's backs. Merchants have to follow the prescribed rules (e.g. taking a CCV number) or they lose their merchant account, or they fall into a tiered bin where they pay much higher rates.