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Plaid vs PayPal: Which is a better fit?

Updated on January 22nd, 2025
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What's your intended use case?
Summary
Key features rated by users
Features selected based on 14,393 reviews from Payment Processing users.
% Fit
Missing features
Not enough reviews
Feature ratings
Expense Tracking
--
Data Security
4.3
Payment Gateway Integration
NA
Payment Fraud Prevention
--
Online Payments
5.0
% Fit
Missing features
Feature ratings
Expense Tracking
NA
Data Security
4.6
Payment Gateway Integration
4.4
Payment Fraud Prevention
4.5
Online Payments
4.7
User satisfaction
4.3
User reviews55
Ease of use
4.3
Functionality
4.2
Value for money
4.2
Customer support
4.3
4.7
User reviews25,410
Ease of use
4.6
Functionality
4.6
Value for money
4.5
Customer support
4.3
Price starts from
--
Monthly subscription
Free version
Free trial
Not provided by vendor
Free version
Free trial
Best for

Plaid's Asset product is a great fit for a loan originator looking to digitize the lending process and create a better borrower experience.

Whether you're a small business, ecommerce platform, marketplace, enterprise, or developer, PayPal Commerce Platform offers what you need to run your business and help it grow.

User reviews
pros & cons
1 / 4
View Reviews
1 / 4
View Reviews
Video reviews
No video reviews yet
video-6dd3d392-4296-4165-fbd2-08dbdfa7202f
Nischala R
Payroll Manager
4.0

Nischala R.: Hi. My name is Nischala. My job title is Payroll Manager and Admin, and my company size is 140 hairstylists. It is a franchisee of a hair salon. And I rate four out of five to the PayPal, and five is the highest. So I use PayPal as a payer as well as the receiver. I am pretty active volunteer, so we receive PTO payments from the school community. We receive the... I do some kind of Christmas gift card for bus driver, those kinds of things. So I am at the receiver ends also, and most of the invoices, what we receive for the hair salon industry, we have an option of PayPal payment. So for my professional payment work, we use PayPal as a payer, one of the option for payment. I feel that it doesn't have the login problem in the sense that forgot password is not required. We can log in as one time code, which has made my life easy in the sense that I do not download apps and so the login issue has been taken care. And whenever I make the payment, I see the options of do you want to pay by PayPal balance and do you want to pay by the bank account, which is connected to the PayPal and also the credit card, which person might have with the PayPal account. So I like the connectivity issue. We don't have to remember the password, we don't have to download any app, and it has the internal options for the payment. I know that we have lots of options for the payment nowadays. One thing which I don't like, when it gives me the first option, do you want to pay by the PayPal balance, I do not know the amount, what is in the PayPal. So I know that if I have $50 and I am buying something $100, that $50 can be paid by PayPal and $50 via the bank account connected. But I really want the amount which is in the PayPal balance to be visible without going through the app or clicking so many options.

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Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

Logo Img
--%
Logo Img
--%
ACH Payment Processing
207
Important
Activity Dashboard
388
Important

Plaid

16/35
  • Activity Dashboard
  • Alerts/Notifications
  • Customizable Branding
  • Debit/Credit Card Processing
  • Digital Wallet Payments
  • eCommerce Integration
  • Electronic Signature
  • In-Person Payments
  • Loyalty Program
  • Multi-Currency
  • Partial Payments
  • Payment Gateway Integration
  • Payment Links
  • Payment Reconciliation
  • PCI Compliance
  • Point of Sale (POS) Integration
  • Receipt Management
  • Search/Filter
  • Self Service Portal
  • ACH Payment Processing
  • API
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Import/Export
  • Data Security
  • Expense Tracking
  • Mobile Payments
  • Multiple Payment Options
  • Online Payments
  • Payment Fraud Prevention
  • Real-Time Data
  • Recurring/Subscription Billing
  • Reporting/Analytics
  • Status Tracking
  • Transaction Monitoring
See All features
Hide Payment Processing Software Features -

PayPal

Top Features
19/35
Show Payment Processing Software Features +
Plaid
Deployment
  • Cloud, SaaS, Web-Based
  • Desktop - Mac
  • Desktop - Windows
  • Desktop - Linux
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • 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
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • 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
Plaid
  • By Plaid
  • Located in United States
  • Founded in 2012
PayPal
  • By PayPal
  • Located in United States
  • Founded in 1998
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