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PayPal from other payment services like Google Wallet and Square: First, PayPal puts security first by using its own encryption technology instead of the standard SSL protocol. The company also says the app features bank-grade safeguards to protect your money (no word on what that means).

In addition, PayPal lets you send and receive money between friends and family members (one of Google Wallet's main selling points). And lastly, if your bank supports it, you can let users pay directly from their bank accounts — no credit card information necessary. That last feature will be available in early 2012.