In both the EU and US PayPal is very widely used to pay in online shops. To a point that disabling PayPal temporary can show noticeable decrease in sales for most online shops, especially if international orders are involved.

When I sayed "competing with PayPal" I meant for paying online, i.e. alternatives to both PayPal and Credit Cards. Not p2p money sending.

Paypal has no market share in Poland for example. Where you can just sent instant transfers.

Also you never replied about paypal not being a real bank, ao it can block money for months. Are you connected to them in any way?

> Also you never replied about paypal not being a real bank,

why should I reply on things which have nothing to do with the discussion?

This never had been about weather PayPal is good or bad or anything, but that it's is very dominant in huge parts of the (western) world _for online shopping_ (not for sending money between people). Something which is a fact weather I like it or not.

> Are you connected to them in any way?

no

through the way you jump from a normal discussion to conspiracy theories is not normal, are you trolling?

Paypal (or its little brother Venmo) haven't been needed in the US in nearly a decade. I've never had a European bank account, but Zelle seems to me to be just as good as what the Europeans have.

Paypal is never needed, not in the EU nor in the US but that misses the point.

Pretty much every single online shop/website ever allows paying with PayPal (and Credit Card). And you pretty much have to use it as not allowing paying with PayPal will reduce your sales noticeable, especially for international orders. This is something people funnily frequently rediscover, again and again.

Also I don't thing many people do use PayPal to send money between each other tbh. when I mean competing I mean for paying online not for p2p money transfer. Like sending other private people money always had been trivial, through slightly annoying, in the EU, even before smartphones where a thing.