"Our focus is on ease of use, clarity..." That's rich. PayPal's business has primarily been based on obfuscating the difference between card payments and bank

"Our focus is on ease of use, clarity..." That's rich. PayPal's business has primarily been based on obfuscating the difference between card payments and bank drafts, and steering consumers to a choice that is not in their best interests. Bank drafts (ACH) are almost all profit for PayPal but much worse for customers, as the consumer protections are weaker, reward programs are nonexistent and there is a risk of overdraft and associated bank penalties. But every time you sign into your PayPal account that you've linked to your bank account, it defaults to paying by bank draft. Every time. There is no preference. They are just hoping that a percentage of their customer base won't notice or bother to switch to paying by card (which is not as easy as it could be).