And I would add that their fraud methods don't work either. My account was emptied in several fraud transactions and for the number of transaction and the amount you could see very clear that they were guessing my paypal balance. For example they started with $100 transations until they got insufficient balance error and then tried with $20, at the end they made 7 transactions of $1.
For paypal those were legitimate payments, even when they were made from a different country, which they could check but were too lazy to try. At the end they accepted that there were a fraud, but do you know how much they refund? 5 of the 7 transactions of $1.
For paypal those were legitimate payments, even when they were made from a different country, which they could check but were too lazy to try. At the end they accepted that there were a fraud, but do you know how much they refund? 5 of the 7 transactions of $1.