Paypal G&S generally always gets money back if something went wrong on a p2p transaction. I've been scammed once or twice, but I always use G&S and have received my money back in full.

If you don't use that, then you're pretty much screwed with Paypal F&F, Zelle, Cashapp, Venmo etc. At least as far as I'm aware.

PayPal is still the only place really that offers viable micropayment fee structure. At least that I know of. At ardour.org, where we have thousands of $1 payments per month, PayPal saves us 23c per $1 transaction.

> why is there a need to use PayPal anymore

When I try to purchase something with my credit card directly on Best Buy's website, my order always gets cancelled (presumably something in their fraud algorithm), but when I pay using PayPal, the order goes through just fine.

AFAIK Stripe and Plaid support only a fraction of the countries that PayPal does. And PayPal is still a global brand - recognized by almost everyone, everywhere.

Wasn't PayPal at least at one time an easier way to support foreign transactions? Stripe was US-only last time I used it (which was years ago).

> was the most trusted way to send and receive money

This was mostly due to century old banking regulations and the difficulty for any new type of money processors to get themselves connected to the necessary backend systems to actually do anything.

It had absolutely nothing to do with the qualities of PayPal. In many ways they were simply the only game in town.

> At one point on the internet PayPal was the most trusted way to send and receive money

Not on my planet and I've run $100m+ through them over the years.