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PayPal for Business is a comprehensive commerce platform that goes far beyond simple peer-to-peer transfers. It allows businesses to accept payments via credit cards, Venmo, and "Pay Later" options (Buy Now, Pay Later), which can significantly increase average order value. Its "Working Capital" feature is a standout, offering business loans based on sales history with no credit check, where repayment is automated as a percentage of daily sales. It also includes robust fraud protection and dispute resolution tools. For small businesses and e-commerce merchants, PayPal offers instant trust. Adding the PayPal button to a checkout page is proven to increase conversion rates, as customers feel secure using a wallet they already know and trust.