I don't disagree with your comments. But there are always two sides (or more) to these issues. What I have found in my over 10 years selling things online that there are issues with every solution. And a lot of "issues" with PayPal come about by how the merchant runs their business in regards to refunds, shipping, etc. PayPal does favor the customer in a complaint status - they have improved in the last couple of years. With that said, all processors favor the customer complaints, it is always the merchant's burden to prove they did provide the customer with the item or service as defined by the sale.
In this particular business model, the start up for my distributors needs to be as low-cost as possible until on-line volume of sales increase enough pay the extra costs for other payment methods. I have a unique model, in that the online functions as a way to expand customer reach, but it primarily is set to function as an online catalog when the distributors call on their customers.
Additionally, PayPal does have that Bill Me Later function, which has positive impact on my distributors when their business customers are buying big for Holiday gift giving - it smooths their customers cash flow and increases the distributors income without having to run a credit department or credit check. So there are some very positives to using PayPal for some businesses.
Just my take on the post
Lee