PayPal's various merchant fees and sometimes abused Buyer Protection program makes it a payment platform more favorable to buyers than sellers. But, these allegations may make buyers rethink using the service. According to the settlement agreement, customers who paid interest charges or late fees to PayPal Credit between January 2011 and May 2015 may be eligible for refunds. Perhaps, the larger lesson to take away from PayPal's accusations of deception is to always read the fine print.