> PayPal fees are probably on the high side, fraud has been a non-issue for us.

It should he an issue for you. That is because PayPal is stopping a lot of payments with false positives. I live outside US and using PayPal is generally a pain in the ass.

I also live outside US and every legit transfer larger than 100 USD or EUR from my account got blocked. Every time it happened, I had to send photocopied ID, bills, and other requested documents. I got a verified business account with lifted limits and still the same pattern continued. And every time I had to call support, otherwise it took about a month for them to review the documents and unlock the account. At the end I was able to get the money out by small transfers. Now I just require a SWIFT transfer from all my US customers.

Hmmm... that does sound interesting. Might you have any hard data to back this up?

If it's true I'd expect that we'd get alot more complaints from customers that their cards are being rejected.

Would a customer complain to you because of a paypal doesn’t cater to them ?

In particular, credit card setings are multi-step and all done on the paypal site, I wouldn’t imagine going back to some merchant site to complain about that process.

I would imagine that at least some would, given that they're interested enough in the product to initiate the checkout process.

In the absence of any hard data on this, I'm writing it off as nectodal.

> In the absence of any hard data on this, I'm writing it off as nectodal.

The Internet is full of this stories from people with good karma. Just look for it on Internet. Probably you are from one of the few countries where the experience is different.

Internet is full of facts about PayPal issues.

We had massive fraud issues with PayPal. Got blasted with stolen credit cards with completely fake addresses (123 Main street Zip code 12345) from Chinese IPs. It seemed like they weren't even doing address verification...

They should, but as far as I can tell, they don't.

Obvious freight forwarder + foreign IP + local US credit card with the wrong billing address...doesn't raise any suspicions from them.

Companies like Accertify are more typical for stores that want a more standard non-Paypal type interface, the purchases go through them following the transaction

On this note, does anyone know how does Stripe Radar stack against fraud protection.