---
title: "Compare Heartland Payments+ vs PayPal 2026 | Capterra"
description: "Unsure of what to choose? Check Capterra to compare Heartland Payments+ and PayPal based on pricing, features, product details, and verified reviews."
source_url: "https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal"
page_type: "comparison"
language: "en"
---

# Heartland Payments+ vs PayPal Features and Cost Comparison

Last updated September 16th, 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 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

[## Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (133)](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 [133 reviews](#user-reviews)

Positive

114

Neutral

3

Negative

16

[## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,663)](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 [26,663 reviews](#user-reviews)

Positive

25,055

Neutral

1,076

Negative

532

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What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 24,065 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[133](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[26,663](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..."

[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..."

[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..."

[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)

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)

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)

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)

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)

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..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___6413747)

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)

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)

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)

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)

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)

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

> "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..."

[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)

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)

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)

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)

EL

Eddy L.

Electrical and Electronics Engineer

> "Heartland Payments+ offers a user-friendly interface and strong security features, making transaction management straightforward and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674)

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..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982)

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)

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)

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)

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)

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..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6628537)

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)

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)

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)

AJ

Abhishek J.

Operation Manager

> "Payments are processed swiftly, securely, and without any delays; it also aids in worldwide marketing."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6539225)

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)

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..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786)

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)

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)

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)

DB

Denise B.

Owner

> "Their error. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982)

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)

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)

KA

Kunle A.

Managing Director

> "Heartland payments+ has been a very essential tool for our small scale business ever since we have been making use of it."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6594833)

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)

KA

Kunle A.

Managing Director

> "I also love how payments can be made quickly and securely from clients no matter where my they are."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6594833)

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)

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)

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)

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)

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)

GWI

Georgy-Winifred I.

Project Manager

> "i easily access past payments and receipts without any hassle."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6569673)

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)

KN

Kathy N.

TLMA Admin Svs Mgr

> "Heartland Merchant View becomes simple to use once you get familiar with it."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7028238)

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

> "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)

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)

Neelam S.

SOFTWARE MANAGER

> "Iam extremely happy with the customer service they have provided and the service charges are minimal."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6654882)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

[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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449)

CD

Cody D.

Performance Head

> "Paypal easily adds my bank account and make secure payment using the email and the otp , even after i do my payment i got the invoice receipt over the email which is so useful for me."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7181696)

BZ

Briana Z.

Art Instructor

> "Accessing PayPal statements for PayPal Credit can be tricky- the bug is the page often won't load and the site encounters issues and error messages when trying to download statements."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166632)

SR

Shawn R.

Graphic Design - Art and Creative Direction

> "Fast payments received from international clients, simple interface for creating professional invoices, reassuring security for transactions, handy mobile app for tracking payments on the..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7200986)

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)

NW

Nathaniel W.

Chef and Bartender

> "PayPal used to provide a lot of efficient money moves as far as quicker payments and efficient execution through apps that allow you to buy things such as plane tickets, hotels concerts,..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7199294)

Bruno M.

Sales Executive

> "Another disadvantage of PayPal is that it might limit the account in case of high sales volume, large transactions, or several failed attempts in a short period of time."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7188234)

VR

Verified Reviewer

Administrative

> "I also like the data managing feature of transaction history where I can review my past receipts and invoices, which helps me in expense management. Whenever I find any glitch like delays..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186832)

Michelle C.

CEO

> "Some parts of PayPal can be confusing, especially when trying to understand fees, payment holds, invoices, prepaid cards, or why a payment method is not working the way expected."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7179833)

AP

Ashley P.

Founder, Princial Consultant

> "PayPal is a reliable payment solution for businesses that need a convenient way to send payments, receive money, track transactions, and maintain organized financial records."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7174661)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875)

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)

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)

Deepak G.

Administrative executive

> "My overall experience with the PayPal is highly positive I would say that PayPal is the central application and portal to get money from most of the international vendors who are ready to..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189314)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751)

Bruno M.

Sales Executive

> "What is more, PayPal has such advantages as High Security since all the financial data of the user is encrypted, availability in more than 200 international markets and numerous..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7188234)

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)

BH

Braden H.

Senior Product Designer

> "The product balances functionality and simplicity well, making payments, invoicing, and expense management accessible for different types of users. While there are opportunities to..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7195378)

SP

Susan P.

CEO-Owner

> "Even when I’m just making normal transactions, it can be frustrating if a payment gets flagged and my funds are temporarily frozen while verification is requested."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844)

VR

Verified Reviewer

Software Engineer

> "It has simplified online payments, invoicing, expense management, and record keeping by providing organized transaction data and easy access to payment history."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491)

AE

Amrin E.

Marketing Director

> "Occasionally, account reviews or verification requirements can slow down access to funds, which may be inconvenient for businesses that rely on quick cash flow."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7161766)

VR

Verified Reviewer

Software Engineer

> "I especially like the invoicing feature, detailed transaction history, and expense tracking, which make it easier to manage personal and business finances."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550)

VR

Verified Reviewer

Administrative

> "The only thing I dislike about Pay Pal is the app glitches, like data loading issues or getting the payment notifications late."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186832)

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)

Kabeer Q.

public relations

> "The Fee Tax: Watching $10 to $50 vanish from every major invoice feels painful, especially when competitors offer cheaper bank-to-bank transfers."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118)

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)

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)

PP

Piyusha P.

Customer service

> "I also appreciate the invoicing capabilities, buyer and seller protection features, and seamless integration with online stores and marketplaces."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831)

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)

NM

Nicole M.

Breeder

> "There are so many different options to use with PayPal, I like that I can connect it with my eBay account and make purchases and it also has the pay later feature."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7155455)

NS

Naveed S.

computer typist

> "Sometimes payments get held or delayed unexpectedly for security reviews, which can slow down cash flow when dealing with tight deadlines."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189422)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237)

Wills S.

Brand Designer

> "PayPal made international commerce feel local. If you've ever tried to buy something from an independent creator halfway across the world, standard banking can be a nightmare of wire fees..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7182039)

DR

Dave R.

Manager

> "The platform has consistently provided a secure and convenient way to manage payments, with quick transaction processing and dependable buyer protection."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183065)

EA

Estrella A.

Software Engineer

> "Their customer support chat is often unhelpful, and resolving account bugs or payment issues feels impossible with their automated messaging."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7180023)

DW

Dylan W.

Operations Manager

> "Creating invoices are an absolute breeze because it automatically generates the entire form based on just the payment information you used and submitted."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184946)

Valery C.

Digital Philanthropy Officer

> "Sometimes it is buggy with payments if you attach gift cards, and it becomes annoying to deal with since payments seems to go through but then don’t."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177151)

Deepak G.

Administrative executive

> "they only charge the nominal fee of about 4% per transaction and I I have rarely used their customer support services free are easily available and there are no lags in the transfers of..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189314)

VR

Verified Reviewer

Teacher

> "Also, sometimes the customer support takes a bit longer to resolve account holds or verification issues, which can delay urgent payments."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7159479)

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)

SP

Susan P.

CEO-Owner

> "What I like most about PayPal is how it reduces friction in everyday payments. Once my account is set up, I don’t have to repeatedly pull out my card or retype long billing details."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844)

Tanya D.

President

> "There were sometimes some glitches when trying to use it since one account was logged it, would not allow that to log out and change to make a payment."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183841)

NN

Nyasia N.

Assistant Residence Manager

> "PayPal also provides strong security features that help protect personal and financial information, making users feel safe when sending or receiving money."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7191333)

DR

Dave R.

Manager

> "Transaction fees can be higher than some alternative payment platforms, particularly for business transactions or receiving certain types of payments."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183065)

Sibahle N.

Customer service advisor

> "I love that I can use paypal to receive money from international banks with ease, I can then send that money to my local within minutes"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7199011)

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)

Shivajatkumar G.

Assistant IT OFFICER

> "I also appreciate its global reach, user-friendly platform, fast transactions, and commitment to protecting both customers and businesses from fraud.""

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7187922)

VR

Verified Reviewer

Founder

> "I understand the need for fraud prevention, but the way funds were held and limits were applied felt excessive given that we were already an established ecommerce business."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154220)

AA

Abdalmeged A.

It engineer

> "Transaction history and invoicing tools are well-organized, making expense tracking straightforward for both personal and business use."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154507)

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)

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)

Alex M.

CEO

> "The fees for receiving payments via credit card can add up, and customer support can sometimes be slow to resolve disputes."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177532)

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)

RR

Rhonda R.

Administrator

> "It has too many items that it charges for, too many ways they try to take from users, and too little customer support."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166187)

VR

Verified Reviewer

Software Engineer

> "PayPal offers a secure and user-friendly payment platform that makes sending, receiving, and managing payments very convenient."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779)

VR

Verified Reviewer

Software Engineer

> "The biggest drawback is the transaction and currency conversion fees, which can become expensive for frequent international payments."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741)

VR

Verified Reviewer

Systems Administrator

> "Some buyers struggled with paying the ‘extra’ goods and services fee for their ‘insurance’ that they had PayPal’s protection if something went awry but it was only a few."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189235)

ET

Elena T.

CMO ecommerce

> "I personally like that you can easily create a business account in different currencies to create invoices, and it's super easy to integrate with WooCommerce or any other e-commerce..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7165284)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999)

NHH

Nguyen H. H.

Deputy Service Manager

> "The customer support response times are not consistent and the customer may not be able to get a response when needed."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7163565)

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)

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)

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)

Kabeer Q.

public relations

> "Dispute Drama: If you ever have to actually file a dispute, the interface becomes incredibly clinical and bureaucratic."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118)

PP

Piyusha P.

Customer service

> "The user interface is intuitive, making payments, refunds, and account management simple even for non-technical users."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765)

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)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446)

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)

SR

Shawn R.

Graphic Design - Art and Creative Direction

> "Fast payments received from international clients, simple interface for creating professional invoices, reassuring security for transactions, handy mobile app for tracking payments on the..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7200986)

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)

BH

Braden H.

Senior Product Designer

> "The product balances functionality and simplicity well, making payments, invoicing, and expense management accessible for different types of users. While there are opportunities to..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7195378)

Kabeer Q.

public relations

> "Dispute Drama: If you ever have to actually file a dispute, the interface becomes incredibly clinical and bureaucratic."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118)

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..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999)

RS

Radha S.

Legal Assistant

> "Additionally, the interface can feel cluttered, and navigating to specific settings or resolving problems isn’t always intuitive."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765)

PP

Piyusha P.

Customer service

> "The user interface is intuitive, making payments, refunds, and account management simple even for non-technical users."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831)

MK

Michael K.

President

> "Some features and account options can also be difficult to navigate at first."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7207987)

VINAY P.

Engineer

> "Its wide acceptance across e-commerce websites and integration with many business platforms make it convenient for both personal and professional use."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177541)

NAGESH B.

Sr Transaction Processing Officer

> "For most, this makes PayPal the "default" for any site they don't 100% trust."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433)

DD

Denise D.

Web Consultant

> "The ease of use and the ability to integrate PayPal buttons directly on my website are perhaps the best qualities of this product."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7114205)

LR

Lola R.

Creative Founder

> "Often, the download time on my MacBook Air is really slow, and even refreshing the URL is to no avail."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6657801)

SL

Sai L.

Assistantship

> "The platform is incredibly reliable, and the checkout process is seamless across most websites."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7170052)

SB

Sydney B.

Paralegal

> "The only thing I dislike is when I try and generate a label the website freezes on me."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6689832)

Konstantin P.

seo

> "It also allows to use integrated mendy other CRM systems."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7144577)

GI

Gabriel I.

Founder

> "Also, Paypal business doesn't have many options to integrate easily."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6761274)

DM

Darnell M.

Mentor

> "What I loved most about the PayPal app is the ease of use along with its detailed instructions."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7161692)

VR

Verified Reviewer

Director of Public Relations

> "I wish more people used PayPal, as it sometimes feels like it’s becoming less popular with younger users."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078455)

YF

Yvon F.

Sales Development Representative

> "What I like most about Paypal is that is very easy to access with and its less hassle too."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7158523)

FL

Faith L.

Therapist

> "It can be difficult to navigate sometimes."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7181864)

MW

Mekailah W.

Owner

> "I mean it is beneficial, rewarding and i can use it for business or personal"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116337)

Dan M.

president

> "sometimes hard to get in to ."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184309)

ÁLvaro C.

Deploy Manager

> "It's very easy to use, with a clean interface that isn't cluttered with too much information."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7182139)

Jaquelyn L.

Tech

> "This company has really gone downhill and extremely unhelpful that will waste lots of your personal time"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116363)

DD

Denise D.

Web Consultant

> "I have been using PayPal since I started my online business and anytime there may be a customer service issue, they easily resolve it."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7114205)

RR

Rhonda R.

Administrator

> "It has too many items that it charges for, too many ways they try to take from users, and too little customer support."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166187)

VB

Violet B.

Artist Representative

> "Other than not having the ability to speak directly with a human customer service rep now I still enjoy the program a lot."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7137391)

NHH

Nguyen H. H.

Deputy Service Manager

> "The customer support response times are not consistent and the customer may not be able to get a response when needed."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7163565)

Anya C.

Stay at home mom

> "The customer service is great at helping when you have a problem and there is no minimum to how much you have in your account."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078426)

AE

Andrea E.

Illustrator and Designer

> "It was also hard to get in touch with a customer support agent that wasn't AI, which made communication a lot harder than it needed to be."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7144646)

Cristin H.

Office manager

> "It's a solid essential service with some clear areas that need improvement"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7179372)

MK

MO K.

MD

> "The transaction fees are a bit high, and the customer support can be slow to respond."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550)

[View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/)

## User interface

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)

4.31 (133)

[PayPal](https://www.capterra.com/p/207944/PayPal/)

4.65 (26,663)

## Connect with a Capterra advisor for a free 15-minute consultation

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### 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

Accounting Integration

207

Important

ACH Payment Processing

150

Important

Activity Dashboard

120

Important

Heartland Payments+

15/50

-   Accounting Integration
-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Barcode/Ticket Scanning
-   Billing & Invoicing
-   Cash Management
-   Compliance Management
-   Contactless NFC
-   Credit Card Management
-   Credit Card Processing
-   CRM
-   Cryptocurrency Processing
-   Customer Database
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Data Synchronization
-   Debit/Credit Card Processing
-   Digital Wallet Integration
-   Digital Wallet Payments
-   Discount Management
-   eCommerce Integration
-   E-commerce Integration
-   Electronic Signature
-   Encryption
-   Expense Tracking
-   Fraud Detection
-   Generative AI
-   Gift Card Management
-   In-Person Payments
-   Invoice Management
-   Level 3
-   Levels 1 & 2
-   Loyalty Program
-   Mobile Access
-   Mobile Card Reader
-   Mobile Payments
-   Multi-Currency
-   Multi-Location
-   Multiple Payment Options
-   Offline Access
-   Omnichannel
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links

[See all features](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#features)

PayPal

Top features

28/50

-   Accounting Integration
-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Barcode/Ticket Scanning
-   Billing & Invoicing
-   Cash Management
-   Compliance Management
-   Contactless NFC
-   Credit Card Management
-   Credit Card Processing
-   CRM
-   Cryptocurrency Processing
-   Customer Database
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Data Synchronization
-   Debit/Credit Card Processing
-   Digital Wallet Integration
-   Digital Wallet Payments
-   Discount Management
-   eCommerce Integration
-   E-commerce Integration
-   Electronic Signature
-   Encryption
-   Expense Tracking
-   Fraud Detection
-   Generative AI
-   Gift Card Management
-   In-Person Payments
-   Invoice Management
-   Level 3
-   Levels 1 & 2
-   Loyalty Program
-   Mobile Access
-   Mobile Card Reader
-   Mobile Payments
-   Multi-Currency
-   Multi-Location
-   Multiple Payment Options
-   Offline Access
-   Omnichannel
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links

[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/)[4.31 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,306)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

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$0.29

Price

Contact vendor for pricing

4.6

Features

4.5

4.6

Ease of Use

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[View full comparison](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal)

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.31 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,383)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.63 (3,037)](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/)[4.31 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,529)](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/)[4.31 (133)](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/)[4.63 (3,037)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.24 (2,073)](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/)[4.31 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

[authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (220)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

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Price

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4.6

Features

4.2

4.6

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal)

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.31 (133)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,529)](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 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.77 (728)](https://www.capterra.com/p/152638/Epos-Now/reviews/)

$0.29

Price

$349one time

4.6

Features

3.8

4.6

Ease of Use

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