I think the author is mixing chargebacks with PayPal disputes/claims as PayPal also takes a fee for chargebacks. Also, one of the things that are wrong in this

I think the author is mixing chargebacks with PayPal disputes/claims as PayPal also takes a fee for chargebacks. Also, one of the things that are wrong in this post is about Stripe rasar(fraud prevention). It's included in standard pricing, it's not 4 %... My experience over 10+ years using PayPal and 5+ years using Stripe is that Stripe has much better docs. Just had something stop working because PayPal changes their webhooks, and even their docs are wrong. Just a few hours ago a customer opened a PayPal claim, and now PayPal took the money hostage. The customer closed the claim, but the one case number the customer has resulted in 10 case numbers for me, and they are still open. When it comes to "friendly fraud" (customer buys something, and claims it was not them after receiving it), it would be hard to do a worse job than PayPal. If a customer opens e.g. 15 claims for unauthorized use, basically stating that someone else used their card, PayPal usually always agree with the customer on like 12 of them, while 3 of them PayPal think was legit. Sure PayPal, someone stole their PayPal account, purchased digital goods on my service on an account belonging to the PayPal owner that the PayPal owner clearly is using according to me and PayPal themself. Chargebacks usually costs money, but PayPal claims is basically just a click to take money from the seller, with no risk. So just that possibility makes PayPal much worse than Stripe. Stripe isn't perfect, but support is better and at least it's much more resistant to friendly fraud.