ZERO stars! PayPal is the worst company I have ever experienced! The worst product, the worst service, the worst procedures, the worst infrastructure, the worst useless employees, the worst security, there is NO reason for PayPal to exist! And if PayPal is spun off from eBay, PayPal will certainly implode due to its gross incompetence... the competition will eat its lunch and thankfully put the beast out of its misery and thus save its victims much pain!