“(dual-audience hero serving consumers and merchants from one page)”
A consumer who wants to send money to a friend and a merchant evaluating PayPal checkout for their store land on the same hero. The messaging tries to serve both with a broad "move money" frame that is too vague for either audience. The consumer needs "send and receive money"; the merchant needs "accept payments and increase checkout conversion."
“Split the entry: a clear audience toggle or two distinct CTAs — "Send money" (personal) and "Accept payments" (business) — with the hero copy adapting to the selected path.”
Audience-specific entry points eliminate the "is this for me?" hesitation. Each visitor self-selects in one click and sees messaging written for their intent, not a compromise for both.