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" ... A: The problem with PayPal and all of those [other online payment companies] is that they're built for person-to-person, consumer payments. Businesses generally want complete control of the infrastructure themselves that fit properly with their product and experience and so forth. Especially as mobile devices came along and they wanted frictionless billing in the background. I suspect PayPal would have solved this had they not been acquired and had that stultification for so long not taken place. Speaking as a developer, PayPal did not solve our problem. ... "