# Compare Holded vs PayPal 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Holded and PayPal based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/153384-207944/Holded-vs-PayPal

---

# Holded 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:

HoldedPayPal2/4 selected

[Holded](https://www.capterra.com/p/153384/Holded/)[4.6 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

[## Holded](https://www.capterra.com/p/153384/Holded/)[4.6 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

Starting Price

€7.50/month

Value-for-Money

4.2

Functionality

4.3

Ease of Use

4.6

Customer Service

4.2

Reviews Sentiment

Based on [347 reviews](#user-reviews)

Positive

322

Neutral

9

Negative

16

[## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,280)](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 [26,280 reviews](#user-reviews)

Positive

24,703

Neutral

1,054

Negative

523

## Not a match? Find software alternatives tailored to your priorities.

These software suggestions are similar to those you’re currently comparing.

### Acumatica Cloud ERP

4.4 (243)

* * *

Starting Price

Contact vendor for pricing

Free Trial

Free Version

* * *

User rating

92%

of reviewers  
rated it above 4 stars

* * *

Highest Rated

### Zoho Invoice

4.7 (822)

* * *

Starting Price

$0.00

Free Trial

Free Version

* * *

User rating

96%

of reviewers  
rated it above 4 stars

* * *

### FreshBooks

4.5 (4,506)

* * *

Starting Price

$21.00

Flat Rate,Per Month

Free Trial

Free Version

* * *

User rating

92%

of reviewers  
rated it above 4 stars

* * *

### Stax

4.0 (117)

* * *

Starting Price

$99.00

Flat Rate,Per Month

Free Trial

Free Version

* * *

User rating

75%

of reviewers  
rated it above 4 stars

* * *

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 14,936 reviews from billing and invoicing 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

63%Fit

Missing features

Feature ratings

Invoice Creation

4.6

Invoice Processing

4.6

Payment Processing

NA

Credit Card Processing

NA

Quotes/Estimates

4.5

95%Fit

Missing features

Feature ratings

Invoice Creation

4.5

Invoice Processing

4.5

Payment Processing

4.6

Credit Card Processing

4.5

Quotes/Estimates

NA

User satisfaction

User satisfaction

4.6

User reviews[347](https://www.capterra.com/p/153384/Holded/reviews/)

Ease of use

4.6

Functionality

4.3

Value for money

4.2

Customer support

4.2

User satisfaction

4.6

User reviews[26,280](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

€7.50Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

$0.29Other, Not provided by vendor

-   Free version
-   Free trial

Best for

Best for

SMEs, freelancers, and accountant offices looking to optimise their management with a cloud-based software.

Best for

PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions.

## User reviews

Pros & cons

CR

Cory R.

ops

> "Ability to generate recurring invoices and send automated payment reminders, which helps users get paid on time."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___7061652)

VR

Verified Reviewer

Web Developer

> "The new update has a very different user interface and it makes it a bit hard for me sometimes to find the pages."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6585713)

OR

Olga R.

Partner

> "Although it has a small learning curve, it is a very powerful tool that helps small and medium sized businesses to have full control over a large number..."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6802672)

FR

Ferran R.

Finance Director

> "Some users have reported that the response time from customer support can be slow, particularly during peak times."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6334197)

SM

Steven M.

system technique

> "The entire manual process is now fully verified in the system, providing a secure database with real-time reports for perfect accounting."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6820591)

FR

Ferran R.

Finance Director

> "This can be frustrating when urgent issues arise that need immediate attention."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6334197)

FR

Ferran R.

Finance Director

> "Holded is a comprehensive business management software that offers several impressive features like User-Friendly Interface, Customization and Flexibility"

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6334197)

AC

Alfonso C.

IT Manager

> "It can be a bit overwhelming with all the different features at first, and the mobile app needs improvement."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6104767)

SM

Steven M.

system technique

> "The entire team can work on the same information, which helps prevent inaccurate or inconsistent data."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6820591)

JM

Joseba M.

CEO

> "Not suitable for growing companies (More than €6M in turnover) since the SII cannot be managed with the Canarian tax agency."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3535513)

Steve E.

labor Relations

> "accounting and invoicing was simplified in a very advanced way allowing the automation of tasks for a more agile and more organized work."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___4813191)

JM

Joseba M.

CEO

> "They refer you to some partners but it is not the solution either since exports from holded invoice lists are very limited technologically. If I had..."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3535513)

NS

Nicole S.

Accounting Manager

> "Our accounting is so much easier to manage since we started using this software."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6540722)

JR

Jaime R.

Sales Director

> "it´s a little bit lack of features for sales"

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3774218)

VP

Victoria P.

Business partner

> "Holded has a user-friendly interface and has simplified my invoicing and accounting processes."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___6091382)

EA

Eric A.

Big Data Engineer

> "Also, the \[SENSITIVE CONTENT\] complains about the difficulty of uploading payrolls (he has to upload one by one, filling a lot of fields)."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3364684)

LT

Lorenzo T.

Administrative

> "I like how everything is done, I can easily make the invoices for the sales team"

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___5031558)

JC

JR C.

Director

> "The software itself we know if designed and developed for the Spanish market and is now expanding through Europe, although there is still a number of..."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___2540414)

VR

Verified Reviewer

Team Lead

> "From invoicing in the company to personnel management, clocking in when you arrive at work and their mobile application is really good."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3704421)

BG

Bradley G.

Managing Director

> "The mobile app need an update as it’s no very easy to use unlike the computer version."

[See full review](https://www.capterra.com/p/153384/Holded/#Capterra___3365169)

[View Reviews](https://www.capterra.com/p/153384/Holded/reviews/)

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)

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)

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)

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)

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 purchaser..."

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

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)

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)

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)

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)

YG

Yessnia G.

Operations

> "I trusted PayPal to protect my personal and financial information, yet they have failed completely. Despite reporting the issue, PayPal has refused to refund my money and continues to allow the same..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7029633)

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)

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)

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)

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)

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)

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)

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)

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)

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)

DY

David Y.

Owner

> "The invoicing function is great and transferring funds to a bank account is easy and quick, but if you want to keep the cash earned through sales in your PayPal account, that works too, but the interest rate..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044021)

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)

AM

Ally M.

Sr Engjneering Manager

> "A lot of people use PayPal so it was an essential part of adding it to our payment experience. When we did have an account person working with us, they were very responsive and generally helped us try to..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7045311)

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)

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)

MA

Mary A.

Program Manager

> "As for cons, fees can be high, especially when receiving payments, converting currencies, or using cards instead of bank transfers."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7036128)

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)

JSF

Jennsy Suyapa F.

Manager

> "I like the fact we can contact with business from different countries and transfer money for the transactions, I think as an entrepreneur this is a great tool and when issues happen customer support is fast..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7037502)

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)

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)

CF

Chen F.

Owner

> "The transaction fees are on the higher side compared to some alternatives, and sometimes account holds can delay access to funds without much explanation."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7019706)

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)

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)

AR

Amos R.

Owner.

> "I've been a PayPal user for years, at the beginning I would just use it to make payments in a safe and secure way, but then as I started my entrepreneurial path I also use it for sending invoices and..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7046604)

PG

Paulina G.

Owner

> "Account holds, fund freezes or sudden restrictions can happen, which is risky for businesses that rely on smooth cash flow."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044464)

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)

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)

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)

JR

Josep R.

Graphic design

> "Transaction fees are a bit high for small businesses, and sometimes fund holds delay payments we need to process quickly."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7038223)

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 consistently..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122)

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)

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)

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)

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)

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)

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)

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)

DS

Donna S.

Administrator

> "PayPal offers the ability to invoice customers who prefer to make payments via check or other options not logging into PayPal or using your PayPal account."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6774716)

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)

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)

James H.

Senior Project Coordinator

> "They initiate account restrictions after receiving large amount of payments which can take more than 180 days before they resolve."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055790)

VR

Verified Reviewer

Excecutive assistant

> "It has been for quite some time to say that it's the most accepted and trusted payment option, been an eBay buyer for almost 15 years, and PayPal has been there backing up my purchases, a small fee it taken..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7020520)

Harisathwik V.

Video Editor

> "No matter the size of the funds received PayPal charges fixed fee per payment which affects small vendors a lot."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7079999)

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)

AM

Annie M.

physician Assistant

> "Some sites don't support it which can be frustrating because I use it often for transactions and find it annoying when it isn't an option"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7054113)

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)

MO

Mihaela O.

Affiliate program manager

> "all the details I could think of to show that I've been receiving money regularly for services already rendered from the same person/company for 10 years with 0 chargebacks or disputes, and even my boss..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6326921)

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)

SF

Sandra F.

Professor of Marketing

> "These fees can significantly impact small businesses, freelancers, and individuals dealing with international clients"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214)

SM

Steve M.

Instructor

> "We needed an easy way to take credit card payments and electronic transactions for our small operation- 4 main payments times per year so PayPal has been a great tool for that."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6851880)

DG

Damian G.

CTO

> "My only issues with paypal was when i have a break of using it for a bit, they implemented fee for not using it."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116509)

JR

Julie R.

Owner Sales Rep

> "I like that I can print out an itemized statement of payments I have taken for my orders for my own records tracking."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7038699)

BB

Bruno B.

Creative

> "High Fees: Transaction fees, particularly for international payments and currency conversion, are considered high compared to competitors."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070)

JP

John P.

Transport Broker

> "Sending payments instantly via the mobile application will make sure that I never make a driver wait, even during weekends."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7076423)

ER

Emmanuel R.

Freelancer

> "I haven't really enjoyed their services to be honest cause I have an issue with my PayPal account getting flagged which I tried getting it release and it didn't work out ending up deactivating my PayPal..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100913)

VR

Verified Reviewer

Sales Lead

> "The features for expense and payment tracking and managing that this system provides me with have saved me a lot of effort."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7077204)

MK

Max K.

Business Owner

> "PayPal makes big effort on the design and disputes for individuals, but for a business, the mobile version of the app has a weird blue and for disputes, just consider you're gonna lose them."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6863954)

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

## User interface

[Holded](https://www.capterra.com/p/153384/Holded/)

4.59 (347)

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

4.65 (26,280)

## 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

Accounting Integration

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

Holded

21/50

-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Automated Receipt Matching
-   Backup and Recovery
-   Billing Portal
-   Bulk Send
-   Client Management
-   Compliance Management
-   Contact Database
-   Contingency Billing
-   Credit Card Processing
-   Credit Note
-   Customizable Branding
-   Customizable Invoices
-   Customizable Reports
-   Customizable Templates
-   Document Management
-   Dunning Management
-   Duplicate Detection
-   Dynamic Pricing
-   Email Management
-   Event Logs
-   File Encryption
-   File Sharing
-   Financial Management
-   Fraud Detection
-   Generative AI
-   Hourly Billing
-   Invoice Creation
-   Invoice History
-   Invoice Processing
-   Master Data Management
-   Mobile Payments
-   Multi-Currency
-   Multi-Language
-   Online Invoicing
-   Payment Processing
-   Process/Workflow Automation
-   Project Billing
-   Projections
-   Purchase Order Management
-   Purchasing & Receiving
-   Quotes/Estimates
-   Real-Time Data
-   Real-Time Reporting
-   Recurring/Subscription Billing
-   Reminders

[See all features](https://www.capterra.com/p/153384/Holded/#features)

PayPal

21/50

-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Automated Receipt Matching
-   Backup and Recovery
-   Billing Portal
-   Bulk Send
-   Client Management
-   Compliance Management
-   Contact Database
-   Contingency Billing
-   Credit Card Processing
-   Credit Note
-   Customizable Branding
-   Customizable Invoices
-   Customizable Reports
-   Customizable Templates
-   Document Management
-   Dunning Management
-   Duplicate Detection
-   Dynamic Pricing
-   Email Management
-   Event Logs
-   File Encryption
-   File Sharing
-   Financial Management
-   Fraud Detection
-   Generative AI
-   Hourly Billing
-   Invoice Creation
-   Invoice History
-   Invoice Processing
-   Master Data Management
-   Mobile Payments
-   Multi-Currency
-   Multi-Language
-   Online Invoicing
-   Payment Processing
-   Process/Workflow Automation
-   Project Billing
-   Projections
-   Purchase Order Management
-   Purchasing & Receiving
-   Quotes/Estimates
-   Real-Time Data
-   Real-Time Reporting
-   Recurring/Subscription Billing
-   Reminders

[See all features](https://www.capterra.com/p/207944/PayPal/#features)

### Recognition

No recognitions have been awarded to Holded

No recognitions have been awarded to PayPal

### Deployment & support

Holded

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

Holded

-   By Holded
-   Located in Spain
-   Founded in 2015

PayPal

-   By PayPal
-   Located in United States
-   Founded in 1998

## Popular Comparisons

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

€7.5/month

Price

$38/month

4.3

Features

4.3

4.6

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/153384-190778/Holded-vs-QuickBooks-Online)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](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)

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (603)](https://www.capterra.com/p/268623/Abby/reviews/)

€7.5/month

Price

€0.01/month

4.3

Features

4.6

4.6

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/153384-268623/Holded-vs-Abby)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](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 (3,018)](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)

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/)

€7.5/month

Price

$25/month

4.3

Features

4.3

4.6

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/120109-153384/Xero-vs-Holded)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](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)

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[Bookipi](https://www.capterra.com/p/195165/Bookipi/)[4.76 (176)](https://www.capterra.com/p/195165/Bookipi/reviews/)

€7.5/month

Price

$0/month

4.3

Features

4.6

4.6

Ease of Use

4.8

[View full comparison](https://www.capterra.com/compare/153384-195165/Holded-vs-Bookipi)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.77 (711)](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)

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[Jobber](https://www.capterra.com/p/127994/Jobber/)[4.58 (1,420)](https://www.capterra.com/p/127994/Jobber/reviews/)

€7.5/month

Price

$39/month

4.3

Features

4.3

4.6

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/127994-153384/Jobber-vs-Holded)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](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)

[Holded](https://www.capterra.com/p/153384/Holded/)[4.59 (347)](https://www.capterra.com/p/153384/Holded/reviews/)

vs

[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,610)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/)

€7.5/month

Price

$2210/year

4.3

Features

4.4

4.6

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/153384-174984/Holded-vs-QuickBooks-Enterprise)

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

vs

[authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (215)](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)