PayPal’s new policy is to force merchants to agree to be scraped
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@ -192,7 +192,7 @@ CloudFlare is a vigilante extremist organization that takes the decentralized we
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1. CloudFlare [attacks freedom of expression][30].
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1. When a review exposed CloudFlare's doxxing of whistle blowers, CF [censored][31] the review.
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1. CloudFlare is a burden on the **environment**
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1. Images account for the [most significant][32] burden on Internet bandwidth and power consumption as a result. Naturally the most ecological web users are those who do not download images (robots, users of text browsers, and users who disable image retrieval). Because robots tend not to download images, anti-robot algorithms target all image-free sessions as robotic. CloudFlare consequently attacks the most ecological users on the web. Cloudflare automatically deems all robots other than search engine crawlers to be "malicious", and they admit this in the same [blog article][greenwash] where they claim to be reducing their environmental footprint. (The best pro-environment action you can take regarding Cloudflare is to simply not visit Cloudflare websites.)
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1. Images account for the [most significant][32] burden on Internet bandwidth and power consumption as a result. Naturally the most ecological web users are those who do not download images (robots, users of text browsers, and users who disable image retrieval). Because robots tend not to download images, anti-robot algorithms target all image-free sessions as robotic. CloudFlare consequently attacks the most ecological users on the web. Cloudflare automatically deems all robots other than search engine crawlers to be “malicious”, and they admit this in the same [blog article][greenwash] where they claim to be reducing their environmental footprint. (The best pro-environment action you can take regarding Cloudflare is to simply not visit Cloudflare websites.)
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1. Cloudflare [tarpits][tarpit] beneficial bots that it incorrectly brands as "malicious". Cloudflare's tar-pitting technique entails requiring bots to "solve a computationally intensive challenge that will require more of their bot’s CPU". This obviously means Cloudflare purposefully creates needless busy work that amounts to pure energy waste.
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1. To counter Cloudflare’s attack on mislabeled beneficial bots, developers are compelled to make their bots act more human. This means downloading images needlessly, thus increasing the environmental footprint needlessly.
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1. CF forces transmission of copious bandwidth-wasting images in order to supply CAPTCHAs. When a grid of images is presented for Cloudflare's hCAPTCHA, every grid cell is a separate image that requires a separate individual HTTP request, which culminates into the most costly of CAPTCHAs.
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@ -9,7 +9,8 @@
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* selling alcoholic beverages
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* non-cigarette tobacco products or e-cigarettes
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* prescription drugs/devices
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1. Paypal is detrimental to civil liberties:
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* [adult material][antiporn]
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1. Paypal is detrimental to **civil liberties**:
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1. PayPal has a history [littered](https://en.wikipedia.org/wiki/PayPal#Criticism) with power-abusing payment blockades that are often politically motivated to benefit right-wing agendas. E.g.:
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1. PayPal [froze accounts for left-wing journalists (Consortium News & MintPress)][frozemedia] apparently to hinder critics of Putin’s war in Ukraine.
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1. PayPal [blocked Iraq War resisters](https://en.wikipedia.org/wiki/PayPal#Criticism).
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@ -17,18 +18,19 @@
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1. PayPal [blocked](https://www.economist.com/europe/2015/05/13/boris-nemtsovs-parting-shot) an account intended to raise money for the distribution of Boris Nemtsov's report "Putin. War", which details Russia's intervention in Ukraine.
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1. PayPal [blocks payments to VPN services](https://www.finder.com.au/paypal-starts-blocking-vpn-payments-what-should-you-do). This is a demonstration of nannying to micro-control people's spending. The bullying has a secondary impact: the user is refused access to a tool that secures their privacy. Moreover, a Tor relay operator was [permanently barred by Paypal](https://lists.torproject.org/pipermail/tor-relays/2021-March/019408.html) without warning and his assets seized for 180 days.
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1. PayPal forces users to execute non-free software, according to a comment on fsf.org's donation page (where they ironically accept PayPal). This problem is considerable in light of how PayPal's partner (eBay) was [caught](http://web.archive.org/web/20200526092506/blog.nem.ec/2020/05/24/ebay-port-scanning) forcing its users to run javascript that does a port scan on the LAN, the results of which are sent back to eBay.
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1. Paypal's greed cheats people out of money they're entitled to:
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1. Paypal's greed **cheats people out of money** they're entitled to:
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1. PayPal [declined](https://www.pcworld.com/article/2039940/paypal-denies-teenager-reward-for-finding-website-bug.html) to pay a reward offered in its [Bug Bounty Program](https://web.archive.org/web/hackerone.com/paypal) to a 17-year-old German student who had reported a cross-site scripting flaw on its site.
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1. PayPal is often reported to simply take customers' money or deny them access as they [arbitrarily freeze](https://www.globes.co.il/news/article.aspx?did=1000998078) the accounts of [many people](https://mywifequitherjob.com/why-paypal-freezes-or-limits-accounts-and-how-to-prevent-this-from-happening-to-you).
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1. PayPal is detrimental to consumer rights:
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1. PayPal is often [reported][moneygrab] to simply take customers' money or deny them access as they [arbitrarily freeze](https://www.globes.co.il/news/article.aspx?did=1000998078) the accounts of [many people](https://mywifequitherjob.com/why-paypal-freezes-or-limits-accounts-and-how-to-prevent-this-from-happening-to-you).
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1. PayPal is detrimental to **consumer rights**:
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1. PayPal [prohibits](https://www.paypal-community.com/t5/PayPal-Basics/paypal-and-VPN-problem/td-p/1353216) the use of VPNs. Instead of simply blocking VPNs, PayPal sneakily allows VPN users to login in order to discover who uses a VPN, ultimately to [suspend](https://old.reddit.com/r/VPN/comments/63t8kg/is_it_against_paypals_terms_to_use_a_vpn) accounts. The suspension is generally timed so that money becomes trapped on the account.
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1. There is a maximum two accounts policy, and every account is single currency. So frequent international road warriers face discrimination and must pay more currency conversion fees.
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1. Hundreds of consumers complain about PayPal annually on the [Consumer Affairs website](https://www.consumeraffairs.com/online/paypal_02.html). By 2016, there were over 1200 complaints.
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1. Staff becomes unreachable and website becomes inoperable when trying to [unfreeze](https://mirasee.com/blog/paypal) accounts.
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1. PayPal algorithmically uses money laundering triggers that are so arbitrary that PayPal's customer service [don't know themselves](https://www.computerweekly.com/blog/Cliff-Sarans-Enterprise-blog/PayPal-money-laundering-nonsense) why accounts get frozen.
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1. If you register again after previously closing your account, you [cannot](https://www.paypal-community.com/t5/My-Money/HOW-TO-DE-LINK-CARD-FROM-CLOSED-ACCOUNT-AND-LINK-IT-TO-NEW-ONE/td-p/1641244) add your credit card number because the number is permanently tied to previous closed account.
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1. PayPal neglects to adhere to banking regulations by [claiming](https://web.archive.org/web/www.cnet.com/news/feds-paypal-not-a-bank) PayPal is not a bank.
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1. PayPal [underreported][bankingpractices] their carbon footprint by 5,512%!
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1. PayPal neglects to adhere to **banking regulations** by [claiming](https://web.archive.org/web/www.cnet.com/news/feds-paypal-not-a-bank) PayPal is not a bank.
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1. PayPal [underreported][bankingpractices] their **carbon footprint** by 5,512%!
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1. PayPal forces merchants to agree to facilitate [scraping][scrapesyou] by PayPal to probe ToS.
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[//]: # (alternative to PayPal: Stripe API. This should be mentioned on a payment processor comparison page if we create one)
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[//]: # (www.cnet.com uses the CF DNS which enables it to quickly proxy via CF, We're not going to babysit which IP range is pointed to, so the link is via the Wayback Machine)
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@ -38,3 +40,6 @@
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[frozemedia]: <https://www.massnews.com/paypal-seizes-alternative-media-sites-money-analysis/>
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[bankingpractices]: https://static1.squarespace.com/static/6281708e8ff18c23842b1d0b/t/6283204b3556a5125ce13b37/1652760661661/The+Carbon+Bankroll+Report+%285-17-2022%29.pdf
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[antiporn]: <https://redroo.ml/@extinct/108829838705907869>
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[moneygrab]: <https://redroo.ml/@extinct/108829434386993012>
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[scrapesyou]: <https://redroo.ml/@extinct/108829411496195433>
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@ -34,7 +34,7 @@ These brokerages have severe ethical or trust issues and should be boycotted:
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|Ally|n|👁|n|🕵|n|whole site is Tor-hostile (403 error)|
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|Axos Invest|n|n|🌩|n|n|**Amazon AWS-hosted**; Axos Bank is jailed in CloudFlare and Axos Invest will be soon. Investors who get blocked by that will have to pay $5/month for paper statements.|
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|Betterment|n|n|n|n|n|**forced h/reCAPTCHA**; Imposes hCAPTCHA just to read the landing page. They censor posts in their Reddit sub that complains about this instead of offering support.|
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|Charles Schwab|n|👁|n|🕵|🧪|akamai-hosted; majority owner of TD Ameritrade; outsources banking operations to PNC Bank; [caught paying](https://www.rollingstone.com/politics/politics-features/dark-money-republican-party-americans-for-job-security-peter-thiel-devos-904900) $8.8 million to republican dark money group "Americans for Job Security", which has [ties](https://www.issueone.org/dark-money-groups-american-for-job-security) to the Koch brothers and neglected to register as a political committee in order to conceal the money trail; [donated](https://web.archive.org/web/20210126185141/publicintegrity.org/politics/donald-trump-inauguration-bankrolled-by-corporate-giants) $1 million to Trump's inaugeration just before Charles Schwab's granddaughter [got a whitehouse gig](https://www.huffpost.com/entry/white-house-samantha-schwab_n_59137723e4b021221db9d490) in an apparent *pay-to-play* scheme. [Called out by Lincoln Project](https://twitter.com/ProjectLincoln/status/1349405850906087424) for financing Trump; [maxed out donations](https://archive.thinkprogress.org/trump-rnc-legal-fund-de045351554c) to Trump's legal fund to the tune of $6.7 million as a way to hide contributions that escape the transparency of campaign contributions; Also got caught in a dark money conspiracy in California using the Koch brothers to hide political contributions to republicans to the tune of $11 million.|
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|Charles Schwab|n|👁|n|🕵|🧪|akamai-hosted; will report your interest earnings to the IRS via 1099-int even if the earnings for the year are below the reporting threshold of $10; majority owner of TD Ameritrade; outsources banking operations to PNC Bank; [caught paying](https://www.rollingstone.com/politics/politics-features/dark-money-republican-party-americans-for-job-security-peter-thiel-devos-904900) $8.8 million to republican dark money group "Americans for Job Security", which has [ties](https://www.issueone.org/dark-money-groups-american-for-job-security) to the Koch brothers and neglected to register as a political committee in order to conceal the money trail; [donated](https://web.archive.org/web/20210126185141/publicintegrity.org/politics/donald-trump-inauguration-bankrolled-by-corporate-giants) $1 million to Trump's inaugeration just before Charles Schwab's granddaughter [got a whitehouse gig](https://www.huffpost.com/entry/white-house-samantha-schwab_n_59137723e4b021221db9d490) in an apparent *pay-to-play* scheme. [Called out by Lincoln Project](https://twitter.com/ProjectLincoln/status/1349405850906087424) for financing Trump; [maxed out donations](https://archive.thinkprogress.org/trump-rnc-legal-fund-de045351554c) to Trump's legal fund to the tune of $6.7 million as a way to hide contributions that escape the transparency of campaign contributions; Also got caught in a dark money conspiracy in California using the Koch brothers to hide political contributions to republicans to the tune of $11 million.|
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|Ellevest|n|n|🌩|n|n|**Amazon AWS-hosted**|
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|Euro Pacific Capital|n|n|🌩|n|n||
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|Fidelity|👌|👁|n|🕵|🧪|sponsors Fox News; akamai hosted; takes voiceprints of customers without express consent; Landing page is Tor-friendly but transactional site is Tor-hostile|
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