# Stripe vs PayPal: Features and Cost Comparison 2026 | Capterra > Stripe vs PayPal: Which payment processing tool is right for you? Dive into our detailed comparison of their features, costs, and user experience to make your decision. Source: https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal --- # Stripe vs PayPal Features and Cost Comparison Last updated April 22nd, 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: StripePayPal2/4 selected [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.6 (3335)](https://www.capterra.com/p/123889/Stripe/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26395)](https://www.capterra.com/p/207944/PayPal/reviews/) [## Stripe](https://www.capterra.com/p/123889/Stripe/)[4.6 (3335)](https://www.capterra.com/p/123889/Stripe/reviews/) [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26395)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price Contact vendor Starting Price Contact vendor for pricing Value-for-Money 4.4 Functionality 4.5 Ease of Use 4.5 Customer Service 4.2 Starting Price $0.29 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 [3,335 reviews](https://www.capterra.com/p/123889/Stripe/reviews/) Positive 3,094 Neutral 118 Negative 123 Positive 3,094 Neutral 118 Negative 123 Reviews Sentiment Based on [26,395 reviews](https://www.capterra.com/p/207944/PayPal/reviews/) Positive 24,809 Neutral 1,062 Negative 524 Positive 24,809 Neutral 1,062 Negative 524 Best for (according to reviews) - **Business size**: Small businesses account for 85% of reviews (2,762), indicating strong adoption among this segment. - **Industry**: Marketing and advertising, computer software, and IT/services together represent 25% of reviews, reflecting broad industry relevance. - **Use cases**: Payment processing dominates with 94% of reviews, while small business POS and merchant services are also notable use cases. Best for (according to reviews) - **Business size**: Small businesses account for 19,138 reviews (74%), indicating strong adoption among this segment compared to enterprises (15%) and midsize businesses (11%). - **Industry**: Education management, IT services, and marketing/advertising each contribute 5% of reviews, reflecting a broad but not concentrated industry usage. - **Use cases**: Payment processing (67%), online ordering (25%), and billing/invoicing (24%) are the primary use cases, highlighting a focus on digital transactions and commerce. ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. ## Reviewer verdict Stripe Stripe users find it best for businesses needing efficient, customizable payment processing with strong data security and detailed transaction tracking. Reviewers appreciate its integration with platforms like Shopify, Squarespace, and Xero, and value its transparent pricing and support for various payment methods. They note that Stripe is particularly suitable for small to medium-sized businesses seeking flexibility and comprehensive card processing, though some mention high fees and occasional account management issues. PayPal PayPal users consider it ideal for those prioritizing speed, global reach, and convenience in online payments. Reviewers highlight its user-friendly interface, robust security, and seamless integration with platforms such as Shopify, WooCommerce, Wix, and QuickBooks Online. They value PayPal for its wide acceptance, ease of managing multiple funding sources, and features that help reduce cart abandonment, though some mention high fees for international transactions and occasional account holds. ## 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 comparison When looking at payment processing tools like Stripe and PayPal, price is just one factor to consider. Understanding their features and differences can help determine which one best suits your needs, maximizing efficiency while avoiding unnecessary costs. Here's how they compare in key areas that matter most. \[[1](#source-item-1)\] Key features rated by users Features selected based on 49,940 reviews from Payment Processing users. about the Fit Score methodology. Fit Score methodology To calculate the Fit Score, our proprietary methodology factors in the following: - The importance level for each feature. By default, this is determined by user reviews. They can rate a feature Critical, High, Low, or Not Used. - Feedback from real users on how the product performs for each key feature, derived from verified user reviews and ratings. Please note: - To calculate the Fit Score, the number of reviews for those features and the actual rating carry the same weight. You might see that, in some cases, even though the ratings are the same, we still determine a winner because it had more reviews. - 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. Stripe 94%Fit Feature ratings Payment Processing 4.5 Data Security 4.6 Online Payments 4.7 Debit/Credit Card Processing 4.6 PayPal 100%Fit High performer Feature ratings Payment Processing 4.6 Data Security 4.6 Online Payments 4.7 Debit/Credit Card Processing 4.5 Payment Processing 4.5 (710) 4.6 (3435) Stripe users appreciate the platform's efficiency in handling multiple transactions daily, citing its detailed payment intent outlines and secure processing. They value the ability to process payments from various sources, including credit/debit cards and digital wallets, and they find the integration with websites seamless. However, some users report issues with delayed fund transfers and customer service. PayPal users, on the other hand, praise its reliability and speed in processing payments, noting that funds are often transferred instantly. They also appreciate its global reach and security measures, though some users mention high fees and occasional account holds. Overall, users find Stripe efficient and versatile for payment processing, while they value PayPal for its speed and reliability. Data Security 4.6 (658) 4.6 (3117) Stripe users express confidence in the platform's data security, highlighting its encryption, two-factor authentication, and compliance with PCI standards. They appreciate not having to store sensitive user data themselves and report no issues with data breaches. PayPal users also commend its robust security measures, including encryption, fraud detection, and two-factor authentication. They feel secure using PayPal for transactions and appreciate its commitment to protecting user data. However, some users have experienced account hacks and issues with scam protection. In general, users trust both Stripe and PayPal for their strong data security measures, with Stripe users valuing its comprehensive protection and PayPal users appreciating its advanced security features. Online Payments 4.7 (826) 4.7 (3697) Stripe users find the platform effective for online payments, appreciating its ease of integration, customization options, and support for various payment methods. They note that it enhances business efficiency and customer convenience. However, some users mention high fees and issues with international payments. PayPal users value its convenience and global acceptance for online payments, highlighting its user-friendly interface and security features. They appreciate the ability to link multiple funding sources and the ease of making transactions. Some users, however, report high fees and occasional processing issues. Overall, users find Stripe effective and customizable for online payments, while they appreciate PayPal's convenience and widespread acceptance. Debit/Credit Card Processing 4.6 (745) 4.5 (1955) Stripe users appreciate the platform's ability to process a wide range of debit and credit cards, including support for recurring payments and detailed transaction records. They find it easy to set up and integrate with other systems, though some mention high processing fees. PayPal users also value its debit/credit card processing, noting its convenience, security, and ability to handle multiple cards. They appreciate the ease of making payments without re-entering card details, though some users find the fees high and have experienced issues with card linking. In summary, users find Stripe's card processing comprehensive and secure, while they appreciate PayPal's convenience and strong security measures. ## Pricing comparison ### Starting prices Stripe Contact vendor for pricing PayPal $0.29 Other Not provided by vendor Free Trial Free Version [View pricing plans](https://www.capterra.com/p/207944/PayPal/pricing/) ### Value-for-money analysis 4.4 (3335) 4.5 (26395) A dive into reviewer perceptions about the value for money of both Stripe and PayPal demonstrates that Stripe reviewers consider it to offer a comprehensive and flexible payment processing solution, while PayPal reviewers comment on its extensive features and security. Reviewers find Stripe's transparent pricing structure and lack of monthly fees appealing. They appreciate its integration capabilities with various platforms and the inclusion of features like subscriptions and international payments. Users also note that Stripe's competitive pricing and flat rates make it a good option for small to medium-sized businesses. However, some users mention that the fees can add up quickly, especially for small businesses or high-value transactions. With regard to PayPal, reviewers highlight its robust security features and wide range of payment options. They appreciate the competitive transaction rates and the discounts available for non-profits. Users also value PayPal's ease of use and the convenience it offers for both personal and business transactions. However, some users feel that the fees, especially for international transactions and currency conversions, can be high. They also mention occasional issues with customer service and hidden fees. ## Integrations Popular Integrations Compare available integrations between Stripe and PayPal. ### 123FormBuilder Stripe PayPal ### Volusion Stripe PayPal ### Squarespace Stripe PayPal ### Shift4Shop Stripe PayPal ### BigCommerce Stripe PayPal ### Shopify Stripe PayPal ### Xero Stripe PayPal ### Wufoo Stripe PayPal Total Integrations 106 Shopify Reviewers mention that Stripe integrates easily with Shopify, which they note simplifies the payment process for online stores and allows for seamless credit card transactions. Squarespace Users report that Stripe integrates smoothly with Squarespace, citing that it enables efficient payment processing for e-commerce sites and simplifies the setup for non-technical users. Xero Users state that Stripe integrates well with Xero, noting that it facilitates easy invoice payments and streamlines financial reconciliation for businesses. Stripe Integrations (106) - [123FormBuilder](https://www.capterra.com/p/122770/123ContactForm/) - [ABC Glofox](https://www.capterra.com/p/136861/Glofox/) - [Accelevents](https://www.capterra.com/p/144596/Accelevents/) - [Accelo](https://www.capterra.com/p/225762/Accelo/) - [AccountsPortal](https://www.capterra.com/p/106821/AccountsPortal/) - [Attribution](https://www.capterra.com/p/147753/Attribution/) - [Avalara](https://www.capterra.com/p/75673/AvaTax/) - [Avaza](https://www.capterra.com/p/136096/Avaza/) - [Baremetrics](https://www.capterra.com/p/181846/Baremetrics/) - [BigCommerce](https://www.capterra.com/p/131883/Bigcommerce/) - [Bizness Apps](https://www.capterra.com/p/141178/Bizness-Apps/) - [Blinksale](https://www.capterra.com/p/60350/Blinksale/) - [Bookinglayer](https://www.capterra.com/p/133291/Bookinglayer/) - [Bookwhen](https://www.capterra.com/p/157881/Bookwhen/) - [Chargebee](https://www.capterra.com/p/131433/Chargebee/) - [ChargeKeep](https://www.capterra.com/p/176915/ChargeKeep/) - [ChartMogul](https://www.capterra.com/p/137740/ChartMogul/) - [Chatfuel](https://www.capterra.com/p/181770/Chatfuel/) - [Cheqbook](https://www.capterra.com/p/182165/Cheqbook/) - [ClickFunnels](https://www.capterra.com/p/156583/ClickFunnels/) - [Cloudbeds](https://www.capterra.com/p/158839/Cloudbeds/) - [Commence](https://www.capterra.com/p/576/Commence/) - [CoreCommerce](https://www.capterra.com/p/133039/CoreCommerce/) - [CrowdPower](https://www.capterra.com/p/206723/CrowdPower/) - [Cyclr](https://www.capterra.com/p/158623/Cyclr/) - [Databox](https://www.capterra.com/p/154024/Databox/) - [Descartes ShipRush](https://www.capterra.com/p/43273/ShipRush/) - [Docusign](https://www.capterra.com/p/121506/Docusign/) - [Ecwid](https://www.capterra.com/p/143648/Ecwid/) - [Elorus](https://www.capterra.com/p/152770/Elorus/) - [Eventcube](https://www.capterra.com/p/193900/Eventcube/) - [Expensify](https://www.capterra.com/p/97594/Expensify/) - [FormCrafts](https://www.capterra.com/p/211812/FormCrafts/) - [FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) - [FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) - [GoDaddy Website Builder](https://www.capterra.com/p/182500/GoDaddy-Website-Builder/) - [Gravity Forms](https://www.capterra.com/p/206381/Gravity-Forms/) - [Harvest](https://www.capterra.com/p/75598/Harvest/) - [Hiveage](https://www.capterra.com/p/129691/Hiveage/) - [IFTTT](https://www.capterra.com/p/186695/IFTTT/) - [Intercom](https://www.capterra.com/p/134347/Intercom/) - [Invoiced](https://www.capterra.com/p/222215/Invoiced/) - [InvoiceSherpa](https://www.capterra.com/p/154446/InvoiceSherpa/) - [Involve.me](https://www.capterra.com/p/241622/brandquiz/) - [Jotform](https://www.capterra.com/p/158456/JotForm-4-0/) - [Jumpseller](https://www.capterra.com/p/146737/Jumpseller/) - [Keap](https://www.capterra.com/p/76390/Infusionsoft/) - [Keen IO](https://www.capterra.com/p/174027/Keen-IO/) - [Leadpages](https://www.capterra.com/p/203635/Leadpages/) - [LeadsBridge](https://www.capterra.com/p/152361/LeadsBridge/) - [LearnWorlds](https://www.capterra.com/p/143513/LearnWorlds/) - [Lendio](https://www.capterra.com/p/154197/Sunrise/) - [LessAccounting](https://www.capterra.com/p/128885/LessAccounting/) - [MakePlans](https://www.capterra.com/p/126695/MakePlans/) - [MemberSpace](https://www.capterra.com/p/175540/MemberSpace/) - [MYFUNDBOX](https://www.capterra.com/p/194113/MYFUNDBOX/) - [Nomod](https://www.capterra.com/p/176749/Nomod/) - [Operations Hub](https://www.capterra.com/p/226298/PieSync/) - [PayDirt Payroll](https://www.capterra.com/p/133905/PayDirt-Payroll/) - [Payfunnels](https://www.capterra.com/p/184237/Payfunnels/) - [PayPal](https://www.capterra.com/p/207944/PayPal/) - [Payrexx](https://www.capterra.com/p/146610/Payrexx/) - [Paythen](https://www.capterra.com/p/229948/Paythen/) - [Pelcro](https://www.capterra.com/p/201287/Pelcro/) - [PushPress](https://www.capterra.com/p/172781/PushPress/) - [Quaderno](https://www.capterra.com/p/206395/Quaderno/) - [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) - [Recurly](https://www.capterra.com/p/122700/Recurly-Subscription-Billing/) - [RentMy](https://www.capterra.com/p/182064/RentMy/) - [Rezgo](https://www.capterra.com/p/33729/Tour-Activity-Booking-System/) - [Sellfy](https://www.capterra.com/p/151412/Sellfy/) - [Sellsy](https://www.capterra.com/p/133104/Sellsy/) - [Shift4Shop](https://www.capterra.com/p/14378/3dcart-Shopping-Cart-Software/) - [ShipStation](https://www.capterra.com/p/155621/ShipStation/) - [Shopify](https://www.capterra.com/p/83891/Shopify/) - [SimpleSpa](https://www.capterra.com/p/46329/SimpleSpa/) - [Skedda](https://www.capterra.com/p/132372/Skedda-Bookings/) - [SkyPrep](https://www.capterra.com/p/127236/SkyPrep/) - [Slack](https://www.capterra.com/p/135003/Slack/) - [Slemma](https://www.capterra.com/p/153269/Slemma/) - [Squarespace](https://www.capterra.com/p/143461/Squarespace/) - [Statsbot](https://www.capterra.com/p/163616/Statsbot/) - [SurveySparrow](https://www.capterra.com/p/168823/SurveySparrow/) - [TalentLMS](https://www.capterra.com/p/132935/TalentLMS/) - [Tapfiliate](https://www.capterra.com/p/145773/Tapfiliate/) - [Ticket Tailor](https://www.capterra.com/p/112510/Ticket-Tailor/) - [Typeform](https://www.capterra.com/p/137289/Typeform/) - [UltraCart](https://www.capterra.com/p/99529/UltraCart/) - [Volusion](https://www.capterra.com/p/32398/Volusion-eCommerce/) - [Wave](https://www.capterra.com/p/178021/Wave-Apps/) - [Weebly](https://www.capterra.com/p/246168/Weebly/) - [WeTravel](https://www.capterra.com/p/163474/WeTravel/) - [WildApricot](https://www.capterra.com/p/76116/WildApricot/) - [Wishpond](https://www.capterra.com/p/145745/Wishpond/) - [Wix](https://www.capterra.com/p/169007/Wix/) - [WooCommerce](https://www.capterra.com/p/225601/WooCommerce/) - [Woopra](https://www.capterra.com/p/155465/Woopra/) - [WordPress](https://www.capterra.com/p/131687/WordPress/) - [Wufoo](https://www.capterra.com/p/224990/Wufoo/) - [Xero](https://www.capterra.com/p/120109/Xero/) - [Xola](https://www.capterra.com/p/132175/Xola-Booking-and-Marketing-System/) - [Zapier](https://www.capterra.com/p/130182/Zapier/) - [Zoho Backstage](https://www.capterra.com/p/178453/Zoho-Backstage/) - [Zoho Billing](https://www.capterra.com/p/231293/Zoho-Subscriptions/) - [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/) - [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/) Total Integrations 52 Shopify Reviewers mention that integrating PayPal with Shopify allows for seamless payment processing on e-commerce stores, which they note enhances customer convenience and trust, and supports global transactions. WooCommerce Users report that integrating PayPal with WooCommerce facilitates secure and reliable payment processing for online stores, which they say simplifies transactions and ensures customer confidence. Wix Reviewers state that integrating PayPal with Wix provides a secure and convenient payment option for e-commerce websites, which they indicate is critical for higher sales and customer satisfaction. QuickBooks Online Users say that integrating PayPal with QuickBooks Online automates transaction recording and reconciliation, which they note improves bookkeeping accuracy and streamlines financial management. PayPal Integrations (52) - [123FormBuilder](https://www.capterra.com/p/122770/123ContactForm/) - [17hats](https://www.capterra.com/p/144328/17hats/) - [Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/) - [AthletaDesk](https://www.capterra.com/p/167629/AthletaDesk/) - [BetterUnite](https://www.capterra.com/p/172631/BetterUnite/) - [BigCommerce](https://www.capterra.com/p/131883/Bigcommerce/) - [Cash App](https://www.capterra.com/p/246167/Cash-App/) - [Chargebee](https://www.capterra.com/p/131433/Chargebee/) - [Cognito Forms](https://www.capterra.com/p/138990/Cognito-Forms/) - [commercetools](https://www.capterra.com/p/174960/commercetools/) - [Constant Contact](https://www.capterra.com/p/31898/Constant-Contact/) - [Donorbox](https://www.capterra.com/p/156860/Donorbox/) - [Ecwid](https://www.capterra.com/p/143648/Ecwid/) - [Formsite](https://www.capterra.com/p/118995/Formsite/) - [Fundraise Up](https://www.capterra.com/p/174380/Fundraise-Up-Online-Giving-Widget/) - [GiveSmart](https://www.capterra.com/p/130794/GiveSmart/) - [GiveWP](https://www.capterra.com/p/10007439/GiveWP/) - [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) - [Gravity Forms](https://www.capterra.com/p/206381/Gravity-Forms/) - [Invoice Simple](https://www.capterra.com/p/165683/Invoice-Simple/) - [Invoice2go](https://www.capterra.com/p/81858/Invoice2go/) - [Joist](https://www.capterra.com/p/230138/Joist/) - [Jotform](https://www.capterra.com/p/158456/JotForm-4-0/) - [Keap](https://www.capterra.com/p/76390/Infusionsoft/) - [Miva](https://www.capterra.com/p/83913/Miva-Merchant/) - [Ninja Forms](https://www.capterra.com/p/204315/Ninja-Forms/) - [nopCommerce](https://www.capterra.com/p/148685/nopCommerce/) - [OpenCart](https://www.capterra.com/p/143516/OpenCart/) - [Paymo](https://www.capterra.com/p/137033/Paymo/) - [Payoneer](https://www.capterra.com/p/187086/Payoneer/) - [PayPal Enterprise Payments](https://www.capterra.com/p/213069/Braintree/) - [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) - [REPAY](https://www.capterra.com/p/246248/REPAY/) - [RocketRez](https://www.capterra.com/p/146552/RocketRez/) - [Salesforce Commerce Cloud](https://www.capterra.com/p/180822/Salesforce-Commerce-Cloud/) - [Shift4Shop](https://www.capterra.com/p/14378/3dcart-Shopping-Cart-Software/) - [Shopify](https://www.capterra.com/p/83891/Shopify/) - [Shopware](https://www.capterra.com/p/145605/Shopware/) - [Spreedly](https://www.capterra.com/p/114956/Spreedly/) - [Squarespace](https://www.capterra.com/p/143461/Squarespace/) - [SubscriptionFlow](https://www.capterra.com/p/197713/SubscriptionFlow/) - [TutorBird](https://www.capterra.com/p/181623/TutorBird/) - [UltraCart](https://www.capterra.com/p/99529/UltraCart/) - [Venmo](https://www.capterra.com/p/222572/Venmo-/) - [Volusion](https://www.capterra.com/p/32398/Volusion-eCommerce/) - [Wix](https://www.capterra.com/p/169007/Wix/) - [WooCommerce](https://www.capterra.com/p/225601/WooCommerce/) - [WordPress](https://www.capterra.com/p/131687/WordPress/) - [Wufoo](https://www.capterra.com/p/224990/Wufoo/) - [X-Cart](https://www.capterra.com/p/33849/X-Cart/) - [Xero](https://www.capterra.com/p/120109/Xero/) - [Zuora](https://www.capterra.com/p/84232/Z-Billing/) For each product, we show you the most common integrations according to our user reviews and analyze themes in what reviewers say to highlight what you need to know. ## How does the user experience compare on Stripe vs PayPal? ### Overall rating 4.6 (3335) 4.6 (26395) ### User interface Stripe PayPal ### Customer service and support Stripe Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat PayPal Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat ## What users say about the pros and cons of Stripe vs PayPal Stripe and PayPal are two software tools that have been evaluated and reviewed on Capterra by verified reviewers. Read genuine feedback from users to see how Stripe compares to PayPal and decide which one is the best fit for your needs. Users appreciate Stripe for its efficient payment processing, intuitive dashboards, and real-time transaction tracking. They also value its ability to handle various card payments and the ease of integration with other software. When it comes to PayPal, reviewers highlight its secure payment processing, user-friendly interface, and the convenience of managing card payments. They also appreciate its purchase and sales management features, which help streamline business operations and reduce cart abandonment rates. When it comes to cons, Stripe users mention high transaction fees, account management issues, and confusing subscription pricing. Meanwhile, PayPal users report problems with money transfers, slow issue resolution, and high transaction fees. \[[2](#source-item-2)\] Pros Stripe JW Jacob W Owner OperatorDesign, 2 - 10 employeesUsed the software for: 6-12 months. “As a freelancer, it is fantastic to be able to assign services, automatically allow my clients to pay for them, and even allows me to utilize retainer situations.“ March 29, 2026 BB Bree B Adv Ops CoordinatorEducation Management, 201 - 500 employeesUsed the software for: 1-2 years. “It’s a reliable and flexible payment platform that works well for processing donations and online transactions. While there is a bit of a learning curve with more advanced features, it's a strong payment processing solution for any organization.“ April 2, 2026 PayPal Melanie M CoachConsumer Services, Self-employedUsed the software for: More than 2 years. “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 messaging system feels a bit dated but, thankfully, I usually hear back same day.“ April 11, 2026 EB Emma B Financial ControllerNon-Profit Organization Management, 51 - 200 employeesUsed the software for: More than 2 years. “We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts.“ January 25, 2026 Cons Stripe Ashish T OwnerMarketing and Advertising, 2 - 10 employeesUsed the software for: 6-12 months. “My experience has been disappointing. While the platform works well initially, the risk management and compliance process can result in sudden account closures and prolonged fund holds.“ April 14, 2026 OE Olu E Complaince ManagerComputer Software, Self-employedUsed the software for: Less than 6 months. “However, as a business grows, the lack of personalized, high-touch support and the creeping costs of add-on services are the only things that would make me glance at competitors“ April 9, 2026 PayPal Rabindra k Network Security AdministratorComputer & Network Security, 51 - 200 employeesUsed the software for: 6-12 months. “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.“ December 4, 2025 NAGESH B Sr Transaction Processing OfficerInformation Technology and Services, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “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.“ February 3, 2026 * * * Sources 1. Our research team identified features from vendor websites based on their analysis of what users find valuable or expect from payment processing software. This list is not exhaustive. For additional features, refer to the vendor’s website. 2. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, length, topic coverage, and thematic relevance. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. They represent user opinion and do not represent the views of, nor constitute, an endorsement by Capterra or its affiliates. Excerpts are not edited for clarity or grammar. * * * Need Help Deciding Between Stripe and PayPal? 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