If someone pays by check, a different network is used, one that costs the merchant less but moves more slowly [source: Ellis]. Both buyer and seller deal with Pay Pal instead of each other.
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From a buyer's perspective, Pay Pal changed the way people exchange money online.
Behind the scenes, though, it didn't fundamentally change the way merchants interact with banks and credit card companies. To understand what that means, consider that credit and debit card transactions travel on several different networks.
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