I agree. When Paypal was founded, there was amazement within the industry that they were able to run a money transfer service without being completely overrun b

I agree. When Paypal was founded, there was amazement within the industry that they were able to run a money transfer service without being completely overrun by fraud. I was told that Paypal's real secret sauce was their fraud detection algorithms. It was those algorithms that created a product that others could not easily duplicate. Perhaps the fraudsters are catching up with Paypal and their algorithms, and as a result, Paypal needs to block more and more legitimate businesses that they are unable to distinguish from fraudulent businesses.