Do People Prefer PayPal Over Credit Cards?

by moin moin

With this article, we will let you decide what is safer; PayPal or Credit cards? We asked our online community using a simple form about their use and trust in PayPal. According to the survey results, the results are mind-blowing. In the digital age, digital payments have made their way into the world. Pretty much everybody has a PayPal account. People have credit cards too to make electronic transfers throughout the world. Let’s discuss the worlds of PayPal and Credit cards; both.


Why PayPal?


PayPal is the more secure way to shop online than a credit card. PayPal allows you to have 1 business and 1 personal PayPal account under your social security number. Any more than that has to be in someone else’s name. People feel safer using PayPal accounts because they feel their credit card numbers will remain safe. PayPal looks out for customers and will take money back from the merchant. It is much faster than what the actual credit card company would do in a dispute.


Why Credit Cards?


Whilst PayPal has its benefits; there is a section of people who don’t trust PayPal and prefer Credit cards more. A credit card is used instead of ‘real’ money. It gives you the liberty to borrow money. Through spam, phishing, and various kinds of fraud on the platform; PayPal users have got cheated. Every day scammers would come up with new tricks to gain access to users’ accounts. It really breaks the trust of users with PayPal. Users don’t want their pockets to be digitally emptied, so they prefer credit cards. Most credit cards include zero fraud liability policies these days which keep you protected from any kind of theft or fraud. Credit cards keep your information safe as it uses encryption, chip-and-pin technology, and fraud monitoring.


Do People Prefer PayPal Over Credit Cards? 


PayPal has been around for a long time and does give people who don’t understand the backend of online credit card processing, peace of mind.


PayPal is much easier to use. Back in the day, it was just a tool for sending money from one Palm Pilot to another. From a usability standpoint, PayPal is pretty simple. If the website integrated PayPal properly, it is a simple process. If PayPal is not implemented properly, you could end up having to enter your name, address, and phone number multiple times. PayPal still stands as the most common choice for most of people. While using the PayPal app you can link it directly to your bank account or to a debit or credit card.





PayPal is based on enabling safe transactions between buyers and sellers. Credit card issuers make sure You’re not responsible for fraudulent purchases beyond a maximum of $50. Basic security measures can be taken to guard against fraud while using PayPal or a credit card. For electronic transactions these days, PayPal is used vastly. Every bank that issues a credit card also tries to keep up to meet the industry standards. Responsibility for account security has to be taken by the user, not the issuer. Hence, it is up to you to decide whether you would like to use PayPal or a credit card.





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