$PYPL #1/n  PayPal charges commissions to both sender and receiver of funds. I was charged 5.6% to receive USD.  $V and $MA charge probably not more than 1%-2%.  $PYPL trades at 10x sales, 47.6x forward p/e, and 50x EV/EBITDA. That's rich for a co. with 12% RoE.