What form of consumer payment does PayPal represent?

PayPal represents Consumer to Consumer (C2C) payments because it facilitates transactions between individuals. Through PayPal, users can send and receive money directly to and from one another without the need for a bank intermediary. This type of transaction is commonly used for personal payments, such as splitting a bill, paying for services, or sending money to friends and family.

PayPal's interface and functionality are specifically designed to support these peer-to-peer transactions, making it one of the most widely recognized platforms in the C2C payment space. In contrast, the other options pertain to different payment methods or contexts. For example, direct deposit refers to the electronic transfer of funds directly into a bank account, typically used for salaries or benefits, while mobile payments involve transactions made using a mobile device to purchase goods or services. Remote check deposits concern the process of scanning and submitting checks for deposit through a banking app, which does not align with the core peer-to-peer functionality that PayPal provides.