* PayPal is the most comprehensive payment integration solution on the Internet. That brings a lot of complexity. * They also make money on relatively low fees

* PayPal is the most comprehensive payment integration solution on the Internet. That brings a lot of complexity. * They also make money on relatively low fees. That requires good cost controls. * They're no longer a prestigious company to work at. They pay a bit higher than standard because it's harder to recruit talent. * Once you get to a certain size and complexity, especially in the financial world, changing things becomes terrifying.