I don't think PayPal actually sucks. Just think about it. When you purchase something on the internet from a merchant, lets say Walmart, and say for some reason you need a refund because your product was not delivered, you would not call Walmart's credit card processesing agency and complained about your refund. You simply will not be refunded this way. Instead, you would call the people, Walmart, that you buy your goods from. Get me! If the person you buy the goods or sevices from through Paypal don't want to give you a refund, well you are in a long cat fight if you haven't add a Paypal buyer protection during checkout.