PayPal does NOT go to extreme lengths to avoid fraudulent transactions, paypal is actually really bad at it. PayPal doesn't even offer an option for 3D Secure,

PayPal does NOT go to extreme lengths to avoid fraudulent transactions, paypal is actually really bad at it. PayPal doesn't even offer an option for 3D Secure, and that's insane. Seller security is also shit for digital goods and services. PayPal is full of abuse with customers creating fake claims in order to get services for free. This is getting abused more and more. Worst case scenario if you create a fake claim for digital goods or a service on PayPal is usually that you don't get the money back. It's good when it works, but they need to remove or fix the claim functionality, and allow 3D Secure to be used.