That's where the positives end for me however. For Paypal, I fear it's too little too late. You've done too much damage to yourselves. I get the reasons why you do things, but the communication over the last years has been atrocious.

We're in the UK and are just waiting for Stripe to come over. I think a lot of other businesses are thinking along the same lines as well.

Your fee structure is pretty expensive as well. There's also a lot of hidden costs:

- We're on an upper tier so should have a reduced commission rate. However, after scratching my head for ages as to why a majority of our sales are not at the lowered rate I finally find the link about cross border fees or whatever reason you use to charge us more. As an example, some of our $119 USD sales have $4.35 fees which is ~3.7%. Our current rate it says on our account should be 1.9%. Your fees structure is not as clear as it should be.

- Have you tried issuing a refund in a different currency? You have to draw money from your bank (even if there are available funds), which is converted to the correct currency which because your spreads as so expensive means sometimes refunds cost us money. I phoned up about this and they told me to open different currency balances which I did and which fixed the issue, but again, bad communication and a broken process

- Related to the previous point, your spreads on foreign conversions are high. I think they've improved a bit over the last couple of years but I still consider them an expensive hidden cost. I contacted Stripe asking what spreads they offer, and they told me they would consider it a hidden cost and they offer customers the same spreads the banks give them.

Also, your website is mind bogglingly slow. See this support ticket I opened: https://www.paypal-community.com/t5/Access-and-security/Why-...

The support person didn't do anything about it. I didn't expect them to though, as Paypal is an impenetrable behemoth that doesn't seem to care about these sorts of things.

Your website being as slow as it is, mind numbingly slow, is honestly enough reason alone for me to move service. Trying to find transactions just is a huge waste of my time waiting for each page to load. Try using your sandbox with pages that load that slow.

> there's a massive culture change happening at PayPal right now. If we suck at something, we now face it, and we do something about it.

So can you make your website faster for a start?

I think if you process enough transactions you get good phone support. They've been great every time.

All the other problems though cancel this benefit out and more in my opinion.

Yes, but just for my part I'd certainly let them take another couple of percent (on top of the 3.9% I'm already paying with Pro) for better service :-)

2. there were many instances where you were greedy ( diaspora, wikileaks). Alot of stories in IM forums that you freeze money from vendors and never return the money ( to either side).

3. tens of thousands vendors are waiting for stripe to go abroad including me so we could run away from your draconian "service"

What it would take to restore credibility in my view at this point is apologizing and making up for the antique violin incident and un-blacklisting Wikileaks.

Paypal, your transparency sucks. If my account is fishy, tell what it is. We're no longer in the McCarthy times.

And besides, I'm living in the EU. US rules are not always popular for us.