Why you should never use Paypal

f you are a business owner, a freelancer, or anyone who values their hard-earned money, delete your PayPal account today.

I just watched PayPal extract 56.80 in pure profit from a single 900 transaction. That is a 6.3% “theft” disguised as service fees and “convenience.”

PayPal isn’t a financial partner; it’s a parasite that survives by gaslighting its users and skimming off the top of every international border. Here is the math they don’t want you to see.

The Double-Dip: How They Bleed You Twice

PayPal doesn’t just charge you a fee; they “double-dip” into your pockets before you can even touch your money.

Bite #1: The Transaction Fee ($44.31)
The moment a client sends you money, PayPal takes a massive cut. For a 

900payment,theyinstantlysnatched∗∗900payment,theyinstantlysnatched∗∗

44.31**. That is nearly 5% just for “processing” a digital signal. In an era of blockchain and instant banking, charging 5% to move numbers on a screen is highway robbery.

Bite #2: The Stealth Conversion Scam ($28.00)
This is where the real “theft” happens. Once they’ve taken their first fee, they force you into their proprietary exchange rate.

  • The Real Market Rate (XE): $873.46 should have been €758.00.
  • PayPal’s “Imaginary” Rate: They gave me €732.04.

By refusing to let me withdraw USD to my USD-denominated bank account, PayPal effectively stole an additional €26 (~$28 USD) through a spread that exists only to pad their bottom line.

The Final Tally: The “PayPal Tax”

  • Initial Payment: $900.00
  • Final Value Received: ~$843.20
  • PayPal’s Profit: $56.80

That is 6.3% of the total revenue. If your business has a 20% profit margin, PayPal just took nearly one-third of your actual profit for doing absolutely nothing.

Support as a Weapon: Gaslighting and Lies

When I challenged this, PayPal didn’t offer a technical solution. They offered lies.

Their support agents—likely trained to prioritize conversion profit over customer service—flat-out lied about “French Law” and technical impossibilities. They claimed a French account cannot hold or transfer USD to a USD card. This is a lie. It is a software restriction designed to trap your money in their conversion engine.

They use a 120-second chat timer to exhaust you, hoping you’ll give up and let them keep your $56. They count on you being too busy to fight for your money.

The Verdict: PayPal is a Scam for Modern Business

We no longer live in 2005. We have options.

  • Stripe: Professional, lower fees, better developer tools.
  • Revolut Business: True multi-currency accounts that don’t lie to your face.

PayPal relies on your inertia. They hope you’re too comfortable to switch. But ask yourself: Is “comfort” worth giving a faceless corporation 6% of your life’s work?

Stop letting PayPal “tax” your hard work. Move your money, move your business, and let this legacy dinosaur starve.

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About the author

At the helm of Remote Expeditions, Tristan adeptly combines exploration, photography, tour design, web development, and tour leadership, encapsulating the essence of a versatile travel entrepreneur. His mission is to offer a limited number of high-quality tours each year, ensuring an unparalleled travel experience steering clear of mass tourism. He aims to guide you towards the true essence of each destination, facilitating a deep connection with both nature and yourself.

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Frequently Asked Questions

Yes, and with three weeks it is the best version of a first Ecuador trip. The order matters. Start in the Andes to acclimatise at 2,850 m, drop into the Amazon while you are still on the eastern side of the range — a short flight from Quito to Coca, or the road over Papallacta — and leave Galápagos for the end, when you want slow days on a boat rather than another 5 a.m. start.

Our 25-day route runs exactly that way: Andes, then the Amazon, then the islands. The 18-day Chocó-to-Amazon circuit drops Galápagos and spends the extra days in cloud forest and lowland instead — a better trip than a hurried three-region dash. What does not work is all three in ten days: the internal flights alone eat two of them, and altitude does not negotiate.

Probably the best in South America for it. The country is compact, the drives between elevations are short, and a great many lodges have feeders outside the dining room — you can photograph a dozen hummingbird species before breakfast without carrying anything further than a tripod.

The learning curve is real, though. The national list runs past 1,600 species, the elevation swings from sea level to 4,000 m within a morning, and the best birds often move in mixed flocks that are gone in ninety seconds. A first trip works best with eight to twelve days in one or two regions and a guide who knows the leks and the feeders, which is what we run. Add Galápagos afterwards and the photography changes completely: tame subjects, wider lenses, no stalking required.

Months rather than weeks, and the reason is capacity rather than demand. Visitor numbers are regulated, landing sites are allocated, and the small expedition vessels that do this well carry a few dozen people at most — their cabins are committed long before the season starts. Flights to Baltra and San Cristóbal also run on fixed days, which sets the shape of the whole trip around them.

Land-based island hopping is more forgiving, because you are buying hotel rooms and day boats rather than a cabin, but the same flight days still frame it and the good small hotels fill for the December–March and June–August windows. The practical rule: settle the Galápagos leg before you book the international flights, because it decides your dates and not the other way round. The transit card and the national-park entry fee are paid separately and are not included in the cabin or room price.

Ecuador is small and slow, and those two facts fight each other. A week buys one region done properly: the northern Andes with its cloud forest, or the Napo lowlands, or the islands. Not two of those plus the airport.

Ten days to two weeks is the honest minimum for a first trip that combines the Andes with either the Amazon or Galápagos, which is why our own routes run eight days for Andes and Chocó, and eighteen when the Amazon is added. Three weeks is what it takes to add the islands without cutting the mainland short — the 25-day version exists for exactly that reason. Then add a day at the start for altitude at 2,850 m, and a day at the end for the flight home. Shorter than ten days means choosing, and choosing is fine; pretending four regions fit in a week is not.

In a weather forecast, "pressure" refers to atmospheric pressure—the weight of air above a location. High pressure typically indicates stable, clear weather, while low pressure often brings clouds, rain, or storms. Meteorologists track pressure changes to predict weather shifts: rising pressure suggests improving conditions, while falling pressure signals worsening weather, like approaching storms. Pressure patterns also help identify fronts and wind direction, aiding in short-term forecasts. Barometers measure pressure, and isobars (lines of equal pressure) on weather maps reveal pressure systems, guiding predictions.

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