# Compare Zoho Books vs PayPal 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Books and PayPal based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/163115-207944/Zoho-Books-vs-PayPal --- # Zoho Books 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: Zoho BooksPayPal2/4 selected [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,363)](https://www.capterra.com/p/207944/PayPal/reviews/) [## Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting Price $20.00/month Value-for-Money 4.4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.2 Reviews Sentiment Based on [672 reviews](#user-reviews) Positive 600 Neutral 45 Negative 27 [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,363)](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 [26,363 reviews](#user-reviews) Positive 24,780 Neutral 1,059 Negative 524 ## 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. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 23,015 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 62%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.0 Payment Fraud Prevention NA Expense Tracking 4.4 Debit/Credit Card Processing NA 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Expense Tracking 3.9 Debit/Credit Card Processing 4.5 User satisfaction User satisfaction 4.4 User reviews[672](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.4 Customer support 4.2 User satisfaction 4.6 User reviews[26,363](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 $20Other, Per Month - Free version - Free trial Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Best for Best for Zoho Books caters to businesses of all sizes across multiple industries, such as legal, real estate, retail, wholesale, education, maritime, financial services, healthcare, manufacturing and more. Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. ## User reviews Pros & cons VR Verified Reviewer Growth Head - Sales > "It’s also one of the most widely used products out there and has really played a big role in transforming how businesses manage..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7122967) LT Luke T. Director and Tutor > "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place,..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6829781) VR Verified Reviewer Gen Secretary > "Havent experienced any bug, there was one concern which was fixed immediately. and i'd recommend it for both small business as..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) DS David S. Customer Service Representative > "The mobile app isn’t as functional as the desktop version, and while the reporting options are good, they could be better..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) VR Verified Reviewer Gen Secretary > "Data management is so good, i am uploading all the invoices too in the application." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) GK Girish K. Owber > "No desire to even show how a feature works." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) Raj Shekhar S. Cofounder > "Their has been no product failures or issues, and new features are regularly rolled out too." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7066801) GK Girish K. Owber > "Zoho support has no solution for this." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) BB Ben B. CEO > "Free plan for businesses under $50K in revenue is good and we use it with Zoho Expense and it works seamlessly." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) SG Sally G. Customer Service Auditor > "Some features don't work if you are not in the US." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) BB Ben B. CEO > "Favorite feature: automated invoicing and payment tracking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) DR Darren R. Director > "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) Alfredo J. Consultant > "I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) AV Alisodai V. Proprietor > "They were unable to give any solution for my problem even after 7 months time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7020672) ME Mohamed E. manager > "The best thing that has happened to me is the ease with which I can now complete all accounting activities with Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) HD Haythum D. IT Engineer > "in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352) VR Verified Reviewer COO > "I love the waste option of opportunities to adapt things like templates to automate as much as possible and safe time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) ME Mohamed E. manager > "Data migration is quite difficult for businesses with a lot of data." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) ME Mohamed E. manager > "One of the easiest interfaces for creating estimates and invoices is Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) MG Michael G. President > "does not integrate easily with Microsoft Office suite" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335) Dedre M. Owner > "Due to the fact that you can manager all financially transactions within your dashboard, including invoicing and billing, makes..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) DS DAMON S. Director > "Uncleared notifications on the app that I just can’t seem to clear" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6466142) ME Mohamed E. manager > "The main benefit is that it offers a range of plans at reasonable prices to accommodate diverse business needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) PB Phillip B. President > "For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6178338) NL Nzai L. project officer sanitation and hygiene > "i like the ability of the software to manage clients online through clients patrol and making recuring invoices payments , its..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4962668) MA Monica A. program manager > "the application is very hard to master mostly on how to handle recurring payments within your organization" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4983997) DS David S. Customer Service Representative > "It also offers great GST compliance features which are a big advantage for my business." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) AM Alicia M. Accountant > "For example, in the UK a sales balance of -£100 means that the customer owes £100 pounds and has to pay." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821) AC Anthony C. University Intern > "Zoho Books also offers integration with other Zoho services, such as CRM and Human Resources, which makes collaboration and..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184) DP Darshan P. Administrator > "It has more user restrictions and payroll service is not available." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4775876) DR Darren R. Director > "We love Zoho ability to access from anywhere and allows a business owner to monitor things even when they are not on site." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) FF Frank F. President > "When there is an update with the a financial institution Zoho Books takes forever to make that update causing issues with keeping..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3503773) Alfredo J. Consultant > "I enjoy how it integrates with their expense tracker and with PayPal." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) TM Theresa M. CEO > "They forgot to tell you to click on Settings first, and THEN select Preferences." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) BB Ben B. CEO > "Mobile app is a plus, gives real-time access to financials." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) SK Stephen K. insurance manager > "it limits vendors list and once reached you have to pay additional amount first and its very difficult to learn basically how to..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4655805) Juan B. CEO > "I am able to set up recurring billing for my clients, which has saved me a lot of time and helped me maintain a steady stream of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) MK Milena K. Bookkeeper > "Limitation of the functions and the customer service wasn't as expected." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789839) VR Verified Reviewer COO > "Zoho Books combines quoting, invoicing in a very efficient way." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) KF Kadeem F. IT Consultant > "Invoice customisation is really lacking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4780181) AT Amy T. CFO > "Customization for our specific business was a huge game changer, as we didn't need to get outside help involved to make simple..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) Elyn H. Content Creator > "This is because you can only add your uploads to a new expense." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789911) JK Jeethendra K. Founder & CEO > "The ease of using the zoho books across all the device since the data is stored in server rather than tally in which the data is..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___5019964) SY Surjesh Y. Software Engineer > "Some users might discover that the software is not as customised as they would want. Although it has a variety of functions, there..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4628961) CS Connor S. Brokerage Operations Associate > "The invoices module in Zoho Books and very well laid out and easy to use for people who are new to these kinds of platforms." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6537888) RE Rajesh E. DIRECTOR > "expense print layout is against the income tax rules.. if any invoice is having more than 200 products the invoice will not..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___3567105) SG Sally G. Customer Service Auditor > "The interface is clean and clear." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) SD Sharif D. Inventory analyst > "the software is expensive in case you are purchasing it once" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4980610) LL Lydia L. Blow Mold Operator > "It uses automations which allows us to eliminate the manual entry work and reduce the dependency on the repetitive tasks." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6006953) HN Hilda N. Youth research advisor > "The application is mostly very slow when updating it and in the process you may lose your data and in the due course costimg you a..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) JW Joel W. Program Manager > "I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6167413) TM Theresa M. CEO > "This is the most non-intuitive, difficult, cumbersome, obscure programme I have ever worked with." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) WT Winnie T. Manager > "I've been able to manage the accountabilities while at my home by using this software to manage the accountabilities and project..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) IL Immaculate L. Finance Director > "The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4604401) VR Verified Reviewer Growth Head - Sales > "Customer service is also very prompt and helpful team." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7122967) TH Timothy H. CEO > "For the business I have managed for the last 15 years, it is tough to migrate everything over. " [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4797274) AC Anthony C. University Intern > "Zoho Books is an online accounting and invoicing software that offers a wide range of features at an affordable price." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184) Jared L. Business Development > "No need to wait for another person to send an invoice and possibly lose the customer to dead time from 'Yes' to the ability to pay" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3859870) Dedre M. Owner > "Zoho Books is helping our small business with financial reporting and keeping track of our income and expenses." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) WO William O. Manager > "So I am just going to find something else can consider all the work I have done in my account as a loss...." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___5078207) AB Andrei B. Branch Manager > "Integrates good with other Zoho apps if you are using them." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6296522) MS Melissa S. CSR > "Gets very expensive to activate advanced features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6002964) WT Winnie T. Manager > "I use it for project planning and accounting While sitting in my dining room therefore it eased work for me" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) Kirti V. developer > "However, some users have reported issues with customer support and limited customization options." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) VV Vikas V. Software Consultant > "Reports are a great way to break things down for more clarifity." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6685125) Shyamal P. Founder > "They forced us to buy 12 months subscription saying migration won't be done unless we pay2." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) KI Kalume I. Senior IT technician > "The software integrates with Zoho invoice which makes work of creating invoice easy and massive. " [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5003016) JV James V. Assistant Management Accountant > "Team collaboration related features of Zoho Books are not quite sufficient for our requirements." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4070417) Juan B. CEO > "I was able to easily and quickly track my income and expenses and generate financial reports in seconds." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) Becky F. Software Developer > "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391) AT Amy T. CFO > "It is great for companies with project management, from estimate to sales order to purchase orders and Invoicing." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) VR Verified Reviewer Software developer > "Limited customer support users can only access support via email or live chat,- limited user permissions" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276) BB Ben B. CEO > "Cloud-based with a solid mobile app so good for being on the go." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) Kirti V. developer > "Zoho Books offers limited support options, which may be frustrating for users who require immediate assistance." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) VK Vinit K. Backend developer > "The ability of Zoho Books to handle accounting chores like billing, expenditure tracking, and bank reconciliations is one of its..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4623050) VR Verified Reviewer Land Surveyor > "There are also expenses that I incur on my own as an employee of the company that need to be assigned to me alone still using my..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___3433842) GK Gatuko K. Accounting Manager > "It handles accounts payable and comes with lots of data security features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6174493) BH Ben H. Manager > "Very little hand holding or clues for the average business user that doesn't have an accounting degree." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4622616) HN Hilda N. Youth research advisor > "With Zoho book I have been able to manage customers and suppliers interaction using client protal and by sitting up payments..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) SV Shanmugam V. Article Trainee > "The data migration from our old software to Zoho was a bit difficult." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740) [View Reviews](https://www.capterra.com/p/163115/Zoho-Books/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) JE JoBeth E. CEO > "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) 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) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) 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) 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) 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) 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) KK Kapil K. Development Head > "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) VR Verified Reviewer Data Encoder > "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) Absana P. Tier III Technician > "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) ET Eldho T. battery test tecnication > "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) SF Sandra F. Professor of Marketing > "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) Absana P. Tier III Technician > "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) AS Adewale S. Officer > "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568) 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..." [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) YL Yasmine L. Esthetician > "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) 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) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7037502) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) 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) 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) 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) 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) 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) 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 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) BY Brian Y. Visa Consulting Specialist > "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437) VR Verified Reviewer 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) VR Verified Reviewer administrator > "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) RS Radha S. Legal Assistant > "Reviews or holds on funds can happen with limited explanation, and resolving issues through customer support can be slow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) RS Radha S. Legal Assistant > "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) JE JoBeth E. CEO > "Transaction fees, especially for instant transfers or business-related payments, can add up." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) 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) 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) 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) 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) 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) 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) 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) 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) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## User interface 4.39 (672) [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,363) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Zoho Books 15/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/163115/Zoho-Books/#features) PayPal Top features 28/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/207944/PayPal/#features) ### Recognition No recognitions have been awarded to Zoho Books No recognitions have been awarded to PayPal ### Deployment & support Zoho Books 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 Zoho Books - By Zoho - Located in United States - Founded in 1996 PayPal - By PayPal - Located in United States - Founded in 1998 ## Popular Comparisons [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,425)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $20/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/163115-190778/Zoho-Books-vs-QuickBooks-Online) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,363)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,330)](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) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 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