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Excuse me, but Paypal is not a regulated bank in the USA, and they routinely hold customer account money for 6 months.

Additionally, periodically they purge entire business categories by locking accounts until you can prove you're not violating their terms of service du jour.

The complaints about Paypal are justified.

You can say that about anything. Pick a technology/company you like and I'll write an "excuse me, but" piece that "justifiably" criticizes it.

Can you think of any good thing about paypal beyond user experience? I am open to suggestions, but I don't know of anything.

So everything sucks, so what? Are we not allowed to complain?

Have Square or Stripe addressed letters of demand to dead people?

Paypal is too big compared to Square & Stripe combined.Also as per my knowledge, in the case of holding money, it depends on case by case basis. I am extensively using Paypal in my day to day online purchases and i never had any issues. If they are holding money it may be bcoz of some risk associated with that account. Call customer care and your issue will be resolved.