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I wouldn't be so negative about PayPal at all. They are still the dominant player of payments on line and gaining space in the off line and mobile world. And they do not depend on Ebay transactions at all... Yet, they have become the "incumbent" and as such they must be now very careful about new competitors such as Stripe, Square but also Google, Amazon, Apple, Visa, Mastercard, Amex etc. Well, this is a market where competition is real....
2 years ago on Exactly How Screwed Is PayPal? (Hint: Very)