I'm no fan of PayPal, but I interpret this as a reflection of the state of the b... | Hacker News

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		eevee on Aug 30, 2013 \| parent \| context \| favorite \| on: Dark Patterns - User Interfaces Designed to Trick ... I'm no fan of PayPal, but I interpret this as a reflection of the state of the banking industry rather than scummy behavior on PayPal's part. Cards skim a ton off the top and are generally designed to gouge the merchant (i.e. PayPal) so customers remain blissfully unaware and keep using them; banks aren't making much effort to compete with direct transfers, probably because they get kickbacks from debit card use.

abalone on Aug 31, 2013 [–]

That argument would make sense if PayPal charged a lower fee for bank withdrawals. They don't. They "gouge" merchants just the same.

It's literally a case of using UI to steer customers towards a method that's worse for customers and no better for merchants.

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