Hello. Some online stores asked me to pay via PayPal rather than Visa card. Could anybody please let me know why they prefer PayPal? What are the advantages of paying by PayPal rather than by Visa card? I heard that most of the time PayPal is fine but there are horrible stories...People have been paying by visa cards for years. I don't see any reason why we have to set up a PayPal account, link bank or visa card information to it and then pay. It is like creating an extra step and give PayPal bank information. Why not just pay by visa card directly? Thanks.