yep, Paypal is awful. They hide behind 'fraud protection' as an excuse for absolutely awful and opaque customer services, yet... how many people here have had their bank account hacked/defrauded? And, at least for me, I can usually get my bank on the phone and most problems resolved within 5 minutes (and that's living in China dealing with a UK bank account).
I have a business account with my bank and I'm a valued customer and they offer me extra services and discounts. Yet with Paypal, if you run a business through them, you're almost automatically treated like a hassle, a criminal, a 'suspect'.
As a counterpoint, when Paypal detected suspicious activity on my account ("Egads, someone just accessed your account from a novel IP in Japan and then received a payment of about a month of your normal turnover and then spent it really really quickly!!1"), it took a one-minute phone call to resolve. ("Hiya Paypal, it's me. does recognition dance I just moved apartments." "Oh, OK. We just wanted to make sure no hanky panky was happening. I've unlimited the account for you.")
Wow! That is positive. So far I've had really poor customer service from them, and not once spoken to a real person. I've never had the account frozen, just payments reversed and no explanation.
I have a business account with my bank and I'm a valued customer and they offer me extra services and discounts. Yet with Paypal, if you run a business through them, you're almost automatically treated like a hassle, a criminal, a 'suspect'.