As a buyer PayPal saved me after being scammed. It was a breeze to claim my money back, once I filed a police report.

Stripe and other normal card processors make it impossible. And before someone says to "charge back" with my bank, my card is from a country where that is almost impossible. In fact I think maybe only in the US that's actually practical, because in Germany I don't remember "charge backs" being a thing when i lived there.

I think the people who complained about paypal stopped using it.

Back in the day I had a paypal account, as did many friends, solely because it was the only supported payment method on Ebay.

After a few bad experiences I cancelled/closed my paypal account, and I know I'm not alone in that.

These days the sight of a paypal payment form is an immediate tab-close. I've no wish to use them, support them, or go near them ever again.

Might work for some countries (like US). But if you are from country with their own currency PayPal will only allow payout to account with that native currency. You get payed in USD you can't payout to USD account if your nation uses different currency. And of course they will also exchange that USD to your currency with their exchange rate that's 5-8% above services like Wise.

Basically you either keep money in your Paypal and use it there or pay their cut. It's simply usury.

Is it because no one you know IRL uses paypay? It hasn't been relevant in a lot of countries since Ebay was popular in the mid 2000s.

A free/standard current account will do physical/online payments, cash withdrawal, currency conversion, spending abroad ect ect.

It's just a payment processor, one which only appears to be used for eBay.

There's not a lot to complain about.

Stick in your card details, shitty old 1990s computers and synthesizers and car parts arrive at your door. Hard to get it wrong, really.