# Compare SumUp vs PayPal 2026 | Capterra > Unsure of what to choose? Check Capterra to compare SumUp and PayPal based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/170673-207944/SumUp-Air-vs-PayPal --- # SumUp vs PayPal Features and Cost Comparison Last updated March 26th, 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: SumUpPayPal2/4 selected [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) [## SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Starting Price $99.00/month Value-for-Money 4.3 Functionality 4.4 Ease of Use 4.5 Customer Service 4.3 Reviews Sentiment Based on [1,470 reviews](#user-reviews) Positive 1,295 Neutral 83 Negative 92 [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price $0.29 Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.6 Customer Service 4.2 Reviews Sentiment Based on [26,408 reviews](#user-reviews) Positive 24,820 Neutral 1,064 Negative 524 ## 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 23,179 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 68%Fit Missing features Feature ratings Data Security 4.0 Online Payments 4.1 Payment Fraud Prevention 4.0 Debit/Credit Card Processing 4.1 Expense Tracking NA 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.5 Expense Tracking 3.9 User satisfaction User satisfaction 4.5 User reviews[1,470](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Ease of use 4.5 Functionality 4.4 Value for money 4.3 Customer support 4.3 User satisfaction 4.6 User reviews[26,408](https://www.capterra.com/p/207944/PayPal/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.5 Customer support 4.2 Price starts from Price starts from $99Flat Rate, Per Month - Free version - Free trial Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Best for Best for SumUp is used by coffee shops, tea houses, dessert and bakery establishments, fast casual restaurants, boutiques, barbershops, salons, and retail stores. Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. ## User reviews Pros & cons Shaun D. Proprietor > "It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7012753) KV Karen V. Owner, instructor > "The last of customer support not only has cost me several thousand in lost transactions, but has caused me..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675) AM Anna M. Owner, designer, webdeveloper > "Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417) KV Karen V. Owner, instructor > "You have to argue with an AI to get to a human, and then the simplest of questions that could be soryed in a 5..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675) AFS Ahmad Farhad S. Vice President > "I use FiveStars for our business weekly and monthly newsletters, reward programs, referral programs, and survey..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6056209) KV Karen V. Owner, instructor > "Often the people don't understand the problem, and give information that has nothing at all to do with the..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675) FY Frusquin Y. Project Manager > "Loyalty programs allow businesses to collect data on customer purchasing preferences and habits, providing thus..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563) FD Francesco D. CEO > "Its support is valid if you have commonly adressable issues, but if you have a specific need or problem to be..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6503852) EU Elzbieta U. Owner > "You can collect cash too which makes it easier to keep track of your daily sales" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551) KV Karen V. Owner, instructor > "Several times this year I have had machine and app issues to where I couldn't take payments via card." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675) AM Anna M. Owner, designer, webdeveloper > "Its simplicity and intuitiveness is a strong plus." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417) AM Anna M. Owner, designer, webdeveloper > "I couldn’t find any form of integration with Klarna or Clearpay unfortunately." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417) VR Verified Reviewer Owner > "The ideal solution for taking payment in a flexible way." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6595659) MR Michael R. Owner and founder > "it appears each department, does not speak to each other creating more problems for users." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855) RW Rhiannon W. Childminder > "I love that sum uo os perfect for snall business and mobile too!" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231) MM Michael M. Builder > "The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6761307) FY Frusquin Y. Project Manager > "Loyalty programs strengthen the relationship between customers and the company, enticing customers to return to..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563) VR Verified Reviewer Owner > "Terrible UI usability, with frequent bugs" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6712064) SL Shaun L. Co owner > "Ease of use, stable and the added bonus of a sim installed for external use." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6472645) SP Stacey P. Locksmith > "Can be temperamental, sometimes there's a delay in getting it started" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6588765) RA Rebecca A. Owner > "For the few first weeks I didn't have any issues." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7010602) VN Vy N. Owner > "Not a huge problem since it will ask you to confirm whether the ID number is correct before you proceed, just a..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400) KK Khaled K. Admin > "Easy to use and setup, payment terminals are paperless and not expensive." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6490694) SA Sanchita A. HR > "Does not work with some kind of transactions" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6587767) RW Rhiannon W. Childminder > "Really simple and pleasant to use for my snall mobile business." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231) MR Michael R. Owner and founder > "Extremely poor communication and poor technical support." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855) KV Karen V. Owner, instructor > "One person was very good and very helpful and understanding. " [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675) BT Brian T. IT Administrator > "very negative. when there are so many competitors to chose from there is no reason to ever use sumup" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6780460) PP Perla P. CEO > "Cheap options to buy equipment and also easy to contact" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6693674) SF Stuart F. IT Lead > "Ridiculous. If you are a small business, please don't choose SumUp." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750017) LQ Lourdes Q. Wellness Coach > "We have used SumUP for a while, and it really made our lives easier." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783) VR Verified Reviewer Student in Industrial Maintenance > "I found that the cost of FiveStars was quite high for a small business like mine, especially when you take into..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4596402) VP Victoria P. Administrator > "SumUp is so easy to use, you can begin to take payments immediately!" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6570310) EK Edmond K. Director > "Sumup are holding back £20,000 + of our funds for no reason without giving any reason" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6195036) LQ Lourdes Q. Wellness Coach > "They have great customer service and support." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783) LB Ludo B. CEO > "often it works but sometime it's so long to do a payment with a client, loading, disconnection, error, no..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195) TK Timea K. Account Planner > "Made my life a lot easier." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6576498) HV Hendrik V. Iwner > "Must have a phone signal to be able to use it. If your phone dies or loses signal you can’t accept payments" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3609024) DK Denise K. Director > "All good never had any problems the support team very helpful" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6467806) KW Karen W. Boss > "Zero customer support." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6044593) EB Emma B. recruitment consultant > "great product easy to use. " [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381) TS Teresa S. Therapist > "There is no user guide to let you know how the gift cards work, and it’s a bit fiddly." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3822609) EU Elzbieta U. Owner > "Easy to set up and use." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551) CQ Caitlin Q. Full-time Student > "It can be annoying to receive a lot of push notifications daily." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056) EB Emma B. recruitment consultant > "great easy product to use having the app or the car reader" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381) Vasilis A. team manager > "The app is little confused and sometimes in my device lagged" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4339374) AK Amanda K. Owner > "Easy to set up, use and no ongoing costs" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6431756) AK Anais K. Trainer > "Creating products in the app is not clear : I did it but I could'nt find how to select them when the client wants..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3464948) EF Emma F. Florist > "I really like the system and how easy it is to use" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6762448) Ashley W. IT Technician > "There’s literally nothing I don’t like about this software it’s great in all aspects and never once have had an..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3579173) ST Samantha T. Graphic Designer > "Very good, would recommend to anyone as it is so easy to use" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6589671) JP Johnny P. Owner > "Everything the worst company ever I have used disgusting customer service" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4514636) KN Kendrick N. Owner > "I am able to take payments cash or card." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6046711) AK Anita K. Resource Group Leader > "It disappears and also it is not clear when an offer has been used." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3368103) SH Sal H. Manager > "Just the fact that there's programs out there that keep having a customer come back to stack up points from..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3607895) DB Dave B. Vice chair > "I don’t think there are any issues I’ve had yet, other then the inability to have several logins to manage a..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2803472) HA Helen A. Procurement > "As a customer, I love using loyalty program and love having this app on my phone vs having to get paper cards..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003) LR LYNN R. owner > "Too expensive for what we are getting out of it." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639) JG Joanna G. Hotel Posta > "I like that Fivestars focus on environmental issues" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6031065) SJ Steve J. IT Manager > "Trying to keep customers coming back by offering rewards and to be able to earn new business but it just didn't..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950) VN Vy N. Owner > "The physical SumUp is sleek and looks good on display." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400) SY Shun Y. Sr. IT Analyst > "However, some users found it confusing. As it is the same name (Fivestars) for all the business joined, many..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2367427) DB DeAndre B. Marketing and Development Coordinator > "You can also do reviews and ratings through this application which is nice, however we don't need/ use that..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3603104) SL Savannah L. Owner > "It can be easily abused by the customers to consistently get free discounts by just waiting a little longer to..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2814729) HL Heather L. Owner > "The fact that one can be rewarded just for visiting a store or restaurant or any other place of business for that..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3724726) LR LYNN R. owner > "Can't afford any other services out of it." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639) PF Peter F. Director > "It has made processing payments very easy" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___5082012) TR Teri R. CEO > "I have now spent nearly 20 minutes on hold waiting to cancel my account and still they have not canceled it." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749) VN Vy N. Owner > "Inexpensive and good value for even small traders." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400) SJ Steve J. IT Manager > "After using it for a about 6 months, we decided it was more expensive to upkeep than what we got in return." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950) AS Adina S. Co-owner of auto repair shop > "I love being a customer and earning rewards and as a vendor it gives us a chance to offer rewards to our..." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3633836) KD Kylie D. Manager > "Sometimes this app has crashed and it’s frustrating." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2425253) CQ Caitlin Q. Full-time Student > "I like that it doesn’t send a lot of text notifications like other companies and apps." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056) SW Shameem W. Manager > "kind of clunk and not su end user friendly" [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2222688) LB Ludo B. CEO > "A great way to accept credit card payment with my shop when it's working." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195) TR Teri R. CEO > "WARNING do not sign up." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749) HA Helen A. Procurement > "It works well and sometimes send me additional rewards to motivate me to visit vendors again." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003) SS Savanna S. CS > "Very expensive." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2207013) LA LeAnne A. Monitor tech > "It helps with customers rewards profile." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4318867) TR Teri R. CEO > "customer service is not good." [See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749) [View Reviews](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Melanie M. Coach > "The free version gives me plenty of options, including creating a custom PayPal.me link which makes sharing my business with others even easier. Whenever I've needed to reach out to customer support, the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143) Rabindra K. Network Security Administrator > "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) EB Emma B. Financial Controller > "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) VR Verified Reviewer Founder and Principal > "In using the debit card, or if you use it as a bank account, it will sometimes randomly decline transactions (which can be super embarrassing), and even make transfers seem impossible because of another..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449) JE JoBeth E. CEO > "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) Deepeshkumar G. Techno Functional Consultant > "QR scanning facility is not available in my region and the international money transfer takes 24 hours hold in paypal account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148059) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) VR Verified Reviewer Software Engineer > "In addition, customer support experiences may vary, and resolving account-related issues can sometimes take a long time. Although PayPal is widely trusted and convenient, these problems can create..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Sachin K. Operations Manager > "The ease of setup, broad integration support, and trusted reputation make it a practical option for freelancers, e-commerce businesses, and everyday users. While fees and occasional account review delays are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) Lucia C. Owner > "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789) CA Christopher A. Commercial Director > "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) BB Bruno B. Creative > "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) Abdelrahman A. Associate Software Developer > "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) KR Kyle R. Trainer > "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) MK MO K. MD > "PayPal is a solid, professional platform that makes sending and receiving payments very simple. While the fees are a bit high, the security and global acceptance make it worth using for my business..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) KK Kapil K. Development Head > "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) NC Nikki C. permit technician > "The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139057) VR Verified Reviewer Software Engineer > "It supports international transactions, making it very useful for freelancers, online businesses, and customers who buy products or services from different countries." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money from..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) VR Verified Reviewer Data Encoder > "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) Absana P. Tier III Technician > "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) ET Eldho T. battery test tecnication > "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) SF Sandra F. Professor of Marketing > "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) Absana P. Tier III Technician > "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) AS Adewale S. Officer > "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568) VR Verified Reviewer Sales > "Expense management, invoicing, customization, customer support and value for money are all here and amongst the best we've used as a business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052734) GA George A. Owner > "I did not like the need to pay a processing fee for if your want your funds quicker than the mentioned 3 business days offered when doing a transer." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051256) YL Yasmine L. Esthetician > "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) VR Verified Reviewer Operations coordinator > "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Mai M. Managing Director > "The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120918) VR Verified Reviewer Software Engineer > "Users may face extra charges for currency conversion, cross-border transactions, or receiving payments, which can reduce overall earnings." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) NS Natalie S. Senior immigration Advisor > "its global payment method and ability to handle borderless payments in multiple currencies, but it has the intuitive interface." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7062346) KF Kam F. Developer > "I sent money to a vendor once. When I tried to track it, they said they had the option of keeping it on hold for up to 6 MONTHS before releasing it. When I asked them just to send it back they wouldn’t do..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049160) HA Heatherly A. Dance Instructor > "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119) Yuriy Y. Owner > "Fees could add up quickly, and account limitations or holds were sometimes applied with little advance notice, creating uncertainty for users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a bank." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) AC Aldophe C. Student > "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748) BP Bill P. CEO > "PayPal offers a straightforward method for receiving funds from donors and vendors, while providing transparent, auditable reports." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7064737) Jennifer H. Manager > "However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7142902) Malisha C. Property Manager > "The added buyer and seller protection gives me peace of mind, and I love that I can manage everything in one place without sharing my bank details.there isn't many bugs and issues with the site." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071546) CH Charlie H. Footballer > "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012) BY Brian Y. Visa Consulting Specialist > "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437) VR Verified Reviewer CEO > "In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7134942) VR Verified Reviewer administrator > "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122) VR Verified Reviewer Sales Manager > "The conversion rate the provide is worse and they charge fees on top of that also. If 100 pounds = 125 usd , paypal will give only 115 only ." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7069266) SM Sanaa M. Instructor > "PayPal is a secure payment platform that provides ample customer support, expense management, and financing plans." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051187) VR Verified Reviewer Admin > "Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7126777) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) NAGESH B. Sr Transaction Processing Officer > "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) VR Verified Reviewer Software Engineer > "PayPal is that its transaction fees can sometimes be high, especially for small businesses, freelancers, and international payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) ET Eldho T. battery test tecnication > "The materials used and how well the item holds up over time. How effectively the product fulfills its intended purpose compared to its advertising. How intuitive and aesthetically pleasing the product is for..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) MI Mena I. Assistant Manager > "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6833800) Alexis L. Owner > "I enjoy the ability to invoice from the app effectively and for my customers to get it and submit payment immediately." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139239) AA Anis A. Software developer > "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) PS Peter S. Backend Developer > "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323) ClJ Céline J. Social Media Manager > "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906) JE JoBeth E. CEO > "Additionally, when issues arise, such as holds or disputes, the resolution process can sometimes feel slow or lack clear communication" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) RS Radha S. Legal Assistant > "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) VR Verified Reviewer Real Estate Law Clerk > "Customer service was slow when I once had a payment sent to the wrong account; it took a long time to receive a response, even though the issue was eventually resolved." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7057958) FC Fujimory C. Founder > "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380) RS Radha S. Legal Assistant > "Reviews or holds on funds can happen with limited explanation, and resolving issues through customer support can be slow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) CM Cedric M. Owner > "PayPal provides me with a highly intuitive app that simplifies the process of sending and receiving invoices." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7060640) JE JoBeth E. CEO > "Transaction fees, especially for instant transfers or business-related payments, can add up." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## User interface 4.46 (1,470) [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,408) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important SumUp 22/37 - 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/170673/SumUp-Air/#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 SumUp is recognized as a top-rated tool in 1 Capterra Shortlist reports PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports ### Deployment & support SumUp 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 SumUp - By SumUp - Located in Brazil - Founded in 2012 PayPal - By PayPal - Located in United States - Founded in 1998 ## Popular Comparisons [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170673-222572/SumUp-Air-vs-Venmo-) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.5 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal) [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.5 4.5 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-170673/Stripe-vs-SumUp-Air) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) $0.29 Price $0/month 4.6 Features 4.5 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/207944-275802/PayPal-vs-Square-Point-of-Sale) [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) $99/month Price Contact vendor for pricing 4.4 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-170673/Square-Payments-Processing-vs-SumUp-Air) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $0.29 Price $38/month 4.6 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-207944/QuickBooks-Online-vs-PayPal) [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) $99/month Price $0/month 4.4 Features 4.5 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170673-275802/SumUp-Air-vs-Square-Point-of-Sale) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.2 4.6 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-207944/NetSuite-vs-PayPal) [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) $99/month Price $99/month 4.4 Features 4.2 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-170673/Fattmerchant-Payments-Online-vs-SumUp-Air) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.76 (719)](https://www.capterra.com/p/152638/Epos-Now/reviews/) $0.29 Price $349one time 4.6 Features 3.8 4.6 Ease of Use 3.8 [View full comparison](https://www.capterra.com/compare/152638-207944/Epos-Now-vs-PayPal) [SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $99/month Price $38/month 4.4 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/170673-190778/SumUp-Air-vs-QuickBooks-Online) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) $0.29 Price $99/month 4.6 Features 4.2 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal)