drop back to PayPal-only for payouts

Question

The case for it is from https://github.com/gratipay/gratipay.com/issues/67#issuecomment-113312604. This ticket is for implementation.

The Case for PayPal

Gratipay already uses PayPal. We were running roughly 50% PayPal before the Gratipocalypse, and today we made 20 PayPal payouts, and 6 bank payouts. PayPal's fee is not actually that bad: 2%, capped at $1 for U.S., and $20 for non-U.S. It's simple and ubiquitous. Compared to the red nightmare that #3491 is turning into, MassPay doesn't seem that bad.

Since we already have PayPal implemented, it'd be only a little extra work on our part (just ripping out bank accounts and notifying people, basically), and it would get us out of a lot of AML work. We could work on https://github.com/gratipay/inside.gratipay.com/issues/119 over the next year or so, and then maybe reapproach Transpay (#417; they seem the best-suited to help with global bank payouts). We can take our time and do this right. Not rush, and not cut corners. We've learned a lot this time around. Now we know what "right" means.

该提问来源于开源项目：gratipay/gratipay.com

Answer 1

I've registered a separate PayPal account for Gratipay operations. There's a risk that we'll trigger a review because of that, and who knows where that will go?

I've disconnected our Citizens account from Gratipay's Gratipay account, and have connected our operations PayPal there.