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At its core, using a credit card through PayPal functions as a "proxy" transaction. Instead of exposing sensitive card details to multiple vendors, users provide their information once to PayPal’s encrypted vault. This creates a "shop without sharing" environment where the digital wallet acts as a buffer, mitigating the risk of data breaches at the merchant level. This architecture is particularly vital in an era where cyberattacks are increasingly sophisticated, as it limits the "attack surface" of a consumer’s financial identity. Dual-Layered Consumer Protection

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One of the most compelling arguments for this integration is the compounding of security benefits. At its core, using a credit card through

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