How consumers conduct PayPal transactions across the Discover Network demonstrates a shift in how the eBay unit approaches its transition to becoming an in-store payments option.

The companies set a target of reaching acceptance in 2 million merchant outlets by the end of 2013. But rapid expansion of PayPal acceptance has jumped ahead of perhaps the most unique feature of PayPal's previous in-store payment experience — using a phone number and PIN to authorize payments without a card.

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