用英语简述支付宝的利与弊？
举例如下。
For millions of Internet users, PayPal is the de facto form of Internet currency accepted by many retailers and used as a trusted way for personal users to transfer money between accounts for online sales and auctions. Many online shoppers use PayPal to transfer funds. Although it's a convenient way to allow your customers to pay for purchases through your business's website, PayPal is not a good fit for every business.
Many shoppers are, possibly wisely, wary about providing their credit card or checking account information to businesses with which they are not familiar online. Because PayPal acts as an intermediary -- a customer's account information never reaches a website owner -- shoppers may buy your wares using PayPal without worrying that their accounts will be compromised.
Because of security issues and U.S. regulations enacted to limit the transfer of money to terrorists, PayPal sometimes freezes an account because of a suspicious circumstance. Accounts may be temporarily frozen because of suspected security breaches, or for a longer term as PayPal investigates potential improprieties. Accounts may be frozen for months on end, leaving merchants without the ability to extract the funds in their account.
Since PayPal accounts connect directly to a bank account, buyers can pay for online purchases even if they do not own a credit card. Using PayPal may increase financial security for buyers since the seller does not receive bank account or credit card numbers, only the PayPal account number. Buyers can also use accounts to purchase items of differing currencies, so international purchasing is easier. The fact that PayPal is free is also appealing to many buyers.
Since buyers can pay for merchandise immediately, sellers receive payments immediately without having to wait for checks to go through the mail or clear the bank. Individual sellers can accept credit card payments without having to pay the fees credit card processors charge, and merchants may find PayPal's fees lower than other processors. PayPal offers a seller protection policy as well that may cover losses for products lost or damaged in shipment or from a chargeback.
PayPal may limit the amount of money you can send, receive or withdraw from your PayPal account if they believe you are breaking the terms of service. This means you cannot sell prescription drugs or firearms using PayPal, for instance. If you have what administrators consider a high number of chargebacks and customer complaints as a seller, they may limit your account. General "suspicious activity" may also generate a hold or limit on your PayPal account.
Although the transfer of funds within PayPal is fast, you may not have immediate access to those funds, particularly if you sell merchandise on eBay using PayPal. PayPal may hold payments for 21 days in case there is a problem with your transaction. Sellers who have not had much activity, have a history of chargebacks or who sell certain kinds of materials such as electronics, gift cards and event tickets may be prone to being put on such an administrative hold. This delay tends to negate the speed benefit of using PayPal.
