As a buyer, i am most of the time limited by the gateway "Imposed" by the sellers. Unfortunately (for me at least) most sellers are exclusively on paypal - mot only ebay, but many more. Even though they declare that they accept card, but that too passes through Paypal gateway.
Paypal has some major issues with its operation, at least in India, which, may or may not be due to regulatory framework put by the Central regulator. I won't criticise the regulator, because with the frauds taking place (and the gullible people here) it is working for the best interest (the mandatory two factor authentication).
Though I say mandatory - but often the international companies (e.g. Amazon, or those through googlepay, microsoft pay) have managed with single factor only. How, I don't know, and isn't important.
Paypal too works (worked) with single factor - but interestingly every six months - the transaction comes to halt. The banks (card issuing) do not honor its request and buyers like me get out of ebay and purchase the items from amazon or elsewhere. And this is going on for last 3 years or so, every September-October and Feb-march.
I had a discussion with the Bank - and they told that there had been some security compromises complaint from the users - for paypal (card details hacked) - which may or may not be true, but the complaint is thus.
That anyway, could happen to any business, and they are supposed to act, to save their business.
But does paypal do it?
No - I have passed on the complaint, and along with the information I recieved from bank, but the result? The "Cut and Paste" of FAQ, and afterwards - the last three of four communications don't even have "Received, thank you, we are working on the issue" - just the silence of the grave - their? Or Our?
I wonder how could a business work without any consideration of customer, and their trouble?
The same regulatory framework is being handled with other multinational gateways (mentioned above) - but paypal seems to be least concerned - even to try something.
To be frank, a year back they did try the two factor authentication - but their software developers were probably Up to their required level of expertise - and the system was in infinite loop - without existing (even Amazon.in has introduced the two factor, amazon.com is still on single factor).
Any one has weak points - but are they willing to learn and correct?
As far as paypal is concerned - no.
I just wish my suppliers go out of the paypal, or at least have another optional gateway. After all, they are losing their business - more than paypal.