And to further this point: PayPal tries to position itself as "another flavor" of credit, but has none of these protections. In fact, PayPal binds you to their

And to further this point: PayPal tries to position itself as "another flavor" of credit, but has none of these protections. In fact, PayPal binds you to their in-house mediation of fraud claims. I was required to ship $60 worth of merchandise back to the fraudster in China to receive a refund, but the cheapest shipping available to me was $50.