1) PayPal is a pain sometimes, but they do usually seem to be trying (my wife is a small business owner), and refereeing fraud disputes is a Hard Problem 2) the

1) PayPal is a pain sometimes, but they do usually seem to be trying (my wife is a small business owner), and refereeing fraud disputes is a Hard Problem 2) their old-school competition was not always great 3) my (anecdotal) impression is that Square and Stripe both ARE doing well (marketshare-wise, anyway), so the idea that PayPal owns this whole space is not accurate