PayPal is currently a huge leader. There are reasons why. Sure they have disputes and merchants can get fucked sometimes (especially if you sell services and have no proof of shipment).

However, in a world where customers pay with crypto (think bitcoin or steem), then imagine how many customers would get ripped off by totally fake websites? Crypto payments are non-revertable and won't work as is as payment methods. We need some form of customer protection.