&gt; Because they chose a model where the businesses who pay them are also the businesses being reviewed<p>Crazy when you think about it.<p>&gt; PayPal: Hated by most people&#x2F;customers.<p>I didn&#x27;t understand this until recently when I tried to &quot;instant&quot; transfer a few hundred bucks to a friend and was caught up in a 3 day &quot;review&quot; process where I was interrogated about the &quot;reason&quot; for the transfer. Never again!