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some of the early PayPal guys were the ones that told me well hey this might be a way for you to look at fraud you know so um to some of those guys thanks they saved us tens of millions of dollars easily
I remember the PayPal team telling me like the business almost got shut down at one point because they were under such a constant assault from Russian hackers
I don't think you can build a great business on just PTP alone PTP is a use case that's really erratic and hard to predict
PayPal has been kind of stagnant for the last couple years people some people say it's mismanaged some people say it's underutilized a lot of the former PayPal uh Executives the PayPal Mafia as it were are pretty down on PayPal in fact they they don't even publicly and privately say you know it's kind of mismanaged and they're missing the opportunity ... I do think that PayPal's got a really strong opportunity to continue to build a really strong profitable business but the reality is I think we
oh I mean 2.9% plus 30 cents of transaction and there's probably a sliding scale that you can negotiate with them but you know having uh gone through them for a lot of payments in the past and kind of my previous life and my other company you know it's expensive and it's not their fault the reality is is you know when they created that kind of um you can pay now with your bank you put in a card number and as soon as the card number goes in you have to roll that fee over it's just all there is to