I get their fraud protection focus. A huge reason they stay around is that you can use them without a merchant ID, which banks are a lot more hesitant to hand

I get their fraud protection focus. A huge reason they stay around is that you can use them without a merchant ID, which banks are a lot more hesitant to hand out these days. However, Stripe, and more recently, Shopify Payments, offer the same advantage without the PayPal-ness.