PayPal and Visa are additional layers of trust. It's not them or the merchant, it's them and the merchant. Meaning that if something goes wrong, you can ask the

PayPal and Visa are additional layers of trust. It's not them or the merchant, it's them and the merchant. Meaning that if something goes wrong, you can ask the merchant to make it right. If the response is unsatisfactory, you can then go to PayPal or Visa to essentially overrule the merchant. The additional layers of trust are a good thing for consumers to take up unless merchants apply surcharging based on payment methods.