# Compare Heartland Payments+ vs PayPal 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Heartland Payments+ and PayPal based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal --- # Heartland Payments+ vs PayPal Features and Cost Comparison Last updated March 13th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Heartland Payments+PayPal2/4 selected [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) [## Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Starting Price Contact vendor Value-for-Money 4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.1 Reviews Sentiment Based on [132 reviews](#user-reviews) Positive 113 Neutral 3 Negative 16 [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price $0.29 Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.6 Customer Service 4.2 Reviews Sentiment Based on [26,408 reviews](#user-reviews) Positive 24,820 Neutral 1,064 Negative 524 ## Not a match? 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What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 23,176 reviews from payment processing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 61%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.2 Payment Fraud Prevention NA Debit/Credit Card Processing 4.1 Expense Tracking NA 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.5 Expense Tracking 3.9 User satisfaction User satisfaction 4.3 User reviews[132](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.0 Customer support 4.1 User satisfaction 4.6 User reviews[26,408](https://www.capterra.com/p/207944/PayPal/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.5 Customer support 4.2 Price starts from Price starts from \-- - Free version - Free trial Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Best for Best for Designed to assist medical practices, local governments, and utility providers with an integrated payment processing solution. Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. ## User reviews Pros & cons KO Katherine O. Polyglot > "I like Heartland payment because many users like me, find the interface intuitive and user-friendly, which helps with transaction..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7068513) AS Amy S. Owner > "It defies logic that a business would cancel payroll, close its ROC license, and stop operations — yet continue to pay for unused merchant..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___7031362) BN Brianna N. Data Analyst > "I like heartland payment because it offers a variety of payment solutions, including credit and debit card processing, mobile payments,..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7069489) LR Laila R. Sales assistant associate > "No trial period available for new users to test the system, need to contact sales reps to view the demo version, the experience is limited." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6853293) Neelam S. SOFTWARE MANAGER > "The best Service to receive payments they doesn't work on traditional payments, they have a dedicated server and they have a proper..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6654882) EL Eddy L. Electrical and Electronics Engineer > "However, the setup process can be complex, and the fee structure lacks transparency, which can lead to unexpected costs." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) II Ifeoma I. Executive Assistant > "Heartland payments+ makes payment management simple with its relable tools that make payment processing efficient, gives customizable..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6661568) VR Verified Reviewer owner > "We are a small business and By the time we had time to analyze the bills we had been take for a ride for almost a year which totaled a loss..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___6413747) SM Sameer M. Senior Manager > "It is also better since it enables you to securely store patient’s regular card numbers, thereby simplifying things for both the patient..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) AA Abhishek A. Financial Consultant > "Sometimes, I have seen some delay in payment processing from the company, but it's been very rare scenarios." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6474335) SO Samson O. Supply chain manager > "It is one of the best payment processing platform that offers and incredible customers services.it also offers a very minimal and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6659526) EL Eddy L. Electrical and Electronics Engineer > "Initial setup complexity, for instance setting up the clover POS system was challenging for me." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) SR Salice R. ELL contractor > "I like just two things about heartland payment the ease of tracking invoicing and transactions that they make" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7067307) SS STEVE S. OWNER > "I had a problem since they set up 2 verification process." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358742) LD Linus D. Marketing Director > "Heartland Payments+ has a focused way of creating a rational payment option, and this validates all transactions for companies." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6366871) BP Barbara P. Paralegal, Office Manager > "Many of the reports have such small print that they are difficult to read." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6774946) SI Shardul I. System Administrator > "What i like best about Heartland Payments is that it accepts most payment methods, and offers payment processing that is efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6780686) TO Taryn O. Business Operations Supervisor > "Processing fees are more expensive than those of newer platforms." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6767261) BT Bodamer T. Foreign Language and Localization Administrator > "It has an enhanced reporting tool that give us all the fine and accurate details we need to know about any processed payment." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6451387) CO Charles O. Owner > "They were zero help in that regard for my switching processors. And I do not like how they handle charge-backs from customers who have..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) SV Sarah V. Accounting Manager > "It enables me to provide flexible payments options to my clients and receive those payments on time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6406136) PS Penelope S. owner > "I had just started my business and there were a lot of issues I had no experience with. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358606) SM Sameer M. Senior Manager > "It spares us from having to interact with one another by enabling us to securely collect payments from our clients over the phone." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) MH Maisarah H. Administrator > "No reason to dislike any of their tools & features." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6607596) Ashutosh M. Software Developer > "It also provides us with customer insights and analytics which helps us to track sales and other performances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6508716) DB Denise B. Owner > "Their customer service people are nice but the systems are so messed up that the sites are down a lot and then you cant get in. When I..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) GWI Georgy-Winifred I. Project Manager > "Heartland payment is a secure and user friendly platform that makes payment management simple by offering flexible client options and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6569673) CO Charles O. Owner > "Heartland started lopping fees on us over the years." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) PC Pat C. Assistant Manager > "It works with nearly every payment option I think is available which is why we’ve committed to using it as our only payment processing..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) WD Will D. Owner > "Customer service is terrible and the system is equally disastrous." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___6252020) WG Wendy G. Finance Director > "My overall experience with Heartland Payments + is somewhat ok. While the operations are decent the pricing is a deterrent." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7093270) HN Hatim N. Founder > "Bad service, either being raciest sales staff of disrespectful, KC sucks" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___5019775) PC Pat C. Assistant Manager > "finally the inbuilt verification and security features are rock solid and we really trust in ut, helping businesses stay efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) DB Denise B. Owner > "Then they would charge our small business fees to compensate for that. When I called customer service it would be at least an hour to..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) PC Pat C. Assistant Manager > "The financial reporting tools is also very important as they keep everything clear and make tracking transactions effortless." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) TV Theodore V. owner > "It will break a mom and pop restaurant with the fees of processing and a unusable system." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) MP Maurizio P. Finance Manager > "Besides, Heartland Payments+ has created a global support, a formation that allows companies conduct their businesses online." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) KN Kate N. Director of Operations > "We were given two different websites to login to, but never given training on where to look for transactions and reports. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) Thomas F R. Assistant Director > "Heartland Payments+ has made it easy for us to run our institution by giving us a reliable space for managing our finances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6418014) TV Theodore V. owner > "Third party contractor Retail systems inc. could not keep system running to save their lives." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) Hillary M. Purchasing Agent > "It support almost all available payment types which is why we have made it our sole payment processing tool." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) PR Patricia R. Accounting Manager > "It was almost exactly the same and more expensive!! When asked for a refund, heartland was unable to do it. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3827057) EE Erere E. Operation Manager > "Heartland Payments accept most payment methods and it is faster in creating invoices and sending." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6727856) AJ Aliya J. Store manager > "Time using it and it wasn’t given to us as advertised." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) JK Joachim K. Marketing Assistant > "Heartland Payments+ simplify payment processing operation for our business to accept payment from customer." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419046) LS Latonya S. CEO > "WTH - who closes an account without notifying their customers?" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3822853) EL Eddy L. Electrical and Electronics Engineer > "Heartland Payments+ offers a user-friendly interface and strong security features, making transaction management straightforward and secure." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) KN Kate N. Director of Operations > "Dashboard and reporting are difficult to use. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) GM Gianluca M. Finance Director > "Heartland Payments+ is more precise in matters payment processing, and there are reliable security modalities included." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6382864) TM Tiffany M. Service Writer > "Is the most expensive payroll company I’ve worked with." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3796924) MP Maurizio P. Finance Manager > "Heartland Payments+ has confined verification security measures, and they all ensure businesses are successful and effective." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) AJ Aliya J. Store manager > "Everyone in my company had a difficult" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) SO Star O. Organization Manager > "Easy to use, offers low rates, strong security, and provides flexible payment options for our clients making it a perfect solution for..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6583864) DB Denise B. Owner > "Their error. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) Hillary M. Purchasing Agent > "Heartland Payments+ has been our go-to payment processing tool that has made our purchasing activities very efficient." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) AP Annie P. Co-Owner / Head Brewer > "We’ve been shut down in one form or another for over 12 months and having Heartland hold back 100% of our credit sales during this is..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) AD Angela D. Project Manager > "The easiness to track payment that is sent to us is what make this software critical for our business." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6724377) Lyndia C. Health Insurance Advisor > "I got locked out because I would forget the client code often." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3522693) RS Ribeiro S. Sales Executive > "Creating invoice or recurring billing is fast by using the build-in template." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6431917) JR Jennifer R. Cosmetic Formulator > "The dashboard looks a little overwhelming. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3457061) AP Adetola P. Executive Assistant > "Setting it up is very simple even for someone like me who isn't very family with tech stuff, but what I really appreciate is how fast and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6628537) AP Annie P. Co-Owner / Head Brewer > "Sometimes the calls last as much as an hour, and many times I can’t get anyone on the phone who has any idea what to do." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) EL Eddy L. Electrical and Electronics Engineer > "integrated solutions, handles in store sales with Clover POS system seamlessly" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) KC Katie C. Student > "I don't feel there are difficulties with this software that I have experienced personally at this time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3022988) Hillary M. Purchasing Agent > "Heartland Payments+ financial reports keeps us on the light and makes it easy to track all our processed payments." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) AP Annie P. Co-Owner / Head Brewer > "Heartland is the source of our biggest problem right now, and we’re a restaurant during a pandemic." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) [View Reviews](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Melanie M. Coach > "The free version gives me plenty of options, including creating a custom PayPal.me link which makes sharing my business with others even easier. Whenever I've needed to reach out to customer support, the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143) Rabindra K. Network Security Administrator > "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) EB Emma B. Financial Controller > "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) VR Verified Reviewer Founder and Principal > "In using the debit card, or if you use it as a bank account, it will sometimes randomly decline transactions (which can be super embarrassing), and even make transfers seem impossible because of another..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449) JE JoBeth E. CEO > "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) Deepeshkumar G. Techno Functional Consultant > "QR scanning facility is not available in my region and the international money transfer takes 24 hours hold in paypal account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148059) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) VR Verified Reviewer Software Engineer > "In addition, customer support experiences may vary, and resolving account-related issues can sometimes take a long time. Although PayPal is widely trusted and convenient, these problems can create..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Sachin K. Operations Manager > "The ease of setup, broad integration support, and trusted reputation make it a practical option for freelancers, e-commerce businesses, and everyday users. While fees and occasional account review delays are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) Lucia C. Owner > "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789) CA Christopher A. Commercial Director > "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) BB Bruno B. Creative > "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) Abdelrahman A. Associate Software Developer > "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) KR Kyle R. Trainer > "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) MK MO K. MD > "PayPal is a solid, professional platform that makes sending and receiving payments very simple. While the fees are a bit high, the security and global acceptance make it worth using for my business..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) KK Kapil K. Development Head > "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) NC Nikki C. permit technician > "The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139057) VR Verified Reviewer Software Engineer > "It supports international transactions, making it very useful for freelancers, online businesses, and customers who buy products or services from different countries." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money from..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) VR Verified Reviewer Data Encoder > "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) Absana P. Tier III Technician > "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) ET Eldho T. battery test tecnication > "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) SF Sandra F. Professor of Marketing > "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) Absana P. Tier III Technician > "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) AS Adewale S. Officer > "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568) VR Verified Reviewer Sales > "Expense management, invoicing, customization, customer support and value for money are all here and amongst the best we've used as a business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052734) GA George A. Owner > "I did not like the need to pay a processing fee for if your want your funds quicker than the mentioned 3 business days offered when doing a transer." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051256) YL Yasmine L. Esthetician > "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) VR Verified Reviewer Operations coordinator > "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Mai M. Managing Director > "The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120918) VR Verified Reviewer Software Engineer > "Users may face extra charges for currency conversion, cross-border transactions, or receiving payments, which can reduce overall earnings." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) NS Natalie S. Senior immigration Advisor > "its global payment method and ability to handle borderless payments in multiple currencies, but it has the intuitive interface." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7062346) KF Kam F. Developer > "I sent money to a vendor once. When I tried to track it, they said they had the option of keeping it on hold for up to 6 MONTHS before releasing it. When I asked them just to send it back they wouldn’t do..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049160) HA Heatherly A. Dance Instructor > "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119) Yuriy Y. Owner > "Fees could add up quickly, and account limitations or holds were sometimes applied with little advance notice, creating uncertainty for users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a bank." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) AC Aldophe C. Student > "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748) BP Bill P. CEO > "PayPal offers a straightforward method for receiving funds from donors and vendors, while providing transparent, auditable reports." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7064737) Jennifer H. Manager > "However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7142902) Malisha C. Property Manager > "The added buyer and seller protection gives me peace of mind, and I love that I can manage everything in one place without sharing my bank details.there isn't many bugs and issues with the site." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071546) CH Charlie H. Footballer > "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012) BY Brian Y. Visa Consulting Specialist > "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437) VR Verified Reviewer CEO > "In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7134942) VR Verified Reviewer administrator > "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122) VR Verified Reviewer Sales Manager > "The conversion rate the provide is worse and they charge fees on top of that also. If 100 pounds = 125 usd , paypal will give only 115 only ." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7069266) SM Sanaa M. Instructor > "PayPal is a secure payment platform that provides ample customer support, expense management, and financing plans." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051187) VR Verified Reviewer Admin > "Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7126777) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) NAGESH B. Sr Transaction Processing Officer > "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) VR Verified Reviewer Software Engineer > "PayPal is that its transaction fees can sometimes be high, especially for small businesses, freelancers, and international payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) ET Eldho T. battery test tecnication > "The materials used and how well the item holds up over time. How effectively the product fulfills its intended purpose compared to its advertising. How intuitive and aesthetically pleasing the product is for..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) MI Mena I. Assistant Manager > "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6833800) Alexis L. Owner > "I enjoy the ability to invoice from the app effectively and for my customers to get it and submit payment immediately." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139239) AA Anis A. Software developer > "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) PS Peter S. Backend Developer > "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323) ClJ Céline J. Social Media Manager > "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906) JE JoBeth E. CEO > "Additionally, when issues arise, such as holds or disputes, the resolution process can sometimes feel slow or lack clear communication" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) RS Radha S. Legal Assistant > "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) VR Verified Reviewer Real Estate Law Clerk > "Customer service was slow when I once had a payment sent to the wrong account; it took a long time to receive a response, even though the issue was eventually resolved." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7057958) FC Fujimory C. Founder > "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380) RS Radha S. Legal Assistant > "Reviews or holds on funds can happen with limited explanation, and resolving issues through customer support can be slow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) CM Cedric M. Owner > "PayPal provides me with a highly intuitive app that simplifies the process of sending and receiving invoices." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7060640) JE JoBeth E. CEO > "Transaction fees, especially for instant transfers or business-related payments, can add up." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## User interface [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) 4.30 (132) [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,408) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Heartland Payments+ 14/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#features) PayPal Top features 28/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/207944/PayPal/#features) ### Recognition Heartland Payments+ is recognized as a top-rated tool in 1 Capterra Shortlist reports PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports ### Deployment & support Heartland Payments+ Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos PayPal Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Heartland Payments+ - By Global Payments - Located in United States - Founded in 1983 PayPal - By PayPal - Located in United States - Founded in 1998 ## Popular Comparisons [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.6 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-222572/Heartland-Payment-Processing-vs-Venmo-) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.5 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.5 4.4 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/119791-123889/Heartland-Payment-Processing-vs-Stripe) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) $0.29 Price $0/month 4.6 Features 4.5 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/207944-275802/PayPal-vs-Square-Point-of-Sale) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.6 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-170278/Heartland-Payment-Processing-vs-Square-Payments-Processing) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $0.29 Price $38/month 4.6 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-207944/QuickBooks-Online-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Contact vendor for pricing Price $0/month 4.3 Features 4.5 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-275802/Heartland-Payment-Processing-vs-Square-Point-of-Sale) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.2 4.6 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-207944/NetSuite-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/) Contact vendor for pricing Price $25/month 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/119791-221412/Heartland-Payment-Processing-vs-authorizenet) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.76 (719)](https://www.capterra.com/p/152638/Epos-Now/reviews/) $0.29 Price $349one time 4.6 Features 3.8 4.6 Ease of Use 3.8 [View full comparison](https://www.capterra.com/compare/152638-207944/Epos-Now-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/119791-190778/Heartland-Payment-Processing-vs-QuickBooks-Online) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/) $0.29 Price $25/month 4.6 Features 4.4 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/207944-221412/PayPal-vs-authorizenet)