# Compare Stripe Billing vs PayPal 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Stripe Billing and PayPal based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/178774-207944/Stripe-Billing-vs-PayPal --- # Stripe Billing 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: Stripe BillingPayPal2/4 selected [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.6 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,406)](https://www.capterra.com/p/207944/PayPal/reviews/) [## Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.6 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) Starting Price Contact vendor Value-for-Money 4.4 Functionality 4.6 Ease of Use 4.6 Customer Service 4.5 Reviews Sentiment Based on [205 reviews](#user-reviews) Positive 194 Neutral 9 Negative 2 [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,406)](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 [26,406 reviews](#user-reviews) Positive 24,818 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 15,191 reviews from billing and invoicing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 82%Fit High performer Feature ratings Invoice Creation 4.6 Invoice Processing 4.6 Payment Processing 4.8 Credit Card Processing 4.7 Quotes/Estimates 4.4 95%Fit Missing features Feature ratings Invoice Creation 4.5 Invoice Processing 4.5 Payment Processing 4.6 Credit Card Processing 4.5 Quotes/Estimates NA User satisfaction User satisfaction 4.6 User reviews[205](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.4 Customer support 4.5 User satisfaction 4.6 User reviews[26,406](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 \-- - Free version - Free trial Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Best for Best for Designed for small businesses, startups, and large enterprise with recurring revenue. Stripe optimizes and automates subscription management, invoicing, payments, revenue recovery, and more. Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. ## User reviews Pros & cons HL Hikmet L. Medical Assistance Specialist > "Our automated billing capabilities will enable us to charge international insurance partners and client payments of long-term..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7100285) AS Adewale S. Officer > "However, it takes a while to get help when need especially for issues that has to do with finances, could be quite worrisome." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) Brittany H. Owner > "It’s reliable, secure, and has significantly streamlined how we manage recurring payments and customer billing. While there is a..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7083447) DG Damian G. CTO > "Personally have an issue sometimes when setting up products etc. inside app wasn't that intuitive in first place after some time..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7125709) Austin F. President > "It’s dependable, secure, and scalable, which is critical when managing multiple clients and monthly retainers. Once you understand..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7094103) MB Morgan B. Owner > "It works enough for me to keep using it but the fees and delay on payment are pretty big negatives so I'd be willing to change to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6827637) ML Margaret L. Owner > "I sell my art to many types of people, so this is important as well as offering a secure and customer friendly purchase solution." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7072899) DG Destiny G. Lead Designer > "It doesn't allow for a lot of flexibility when it comes to things like scheduling invoices to go out later (at least not through..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6455170) Melissa Z. Owner > "I liked the options of having monthly booking, tap and pay with my phone and can view charges on tge app" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7102412) LS Lindsey S. Director of Marketing Operations > "There's no way for us to set up recurring billing for large clients until after they manually pay their first invoice." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6801062) Tracie B. Executive Director > "Stripe is very easy to integrate across multiple platforms (Squarespace, donation pages, etc.) and allows you to see accounts..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7087614) CB Candace B. Director of Admin and HR > "i can't always export the specific information I am looking for which causes extra time on my part to sort through certain fields." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6719183) SP Sam P. Founder > "I'd love to see more features added for access control and multiple users, as well as automated commission calculations for my..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7039004) GM Genevieve M. Owner > "The fees for each card payment aren't always clear; there's a fee for using stripe and then a tax fee on top of that." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6560631) CK Caroline K. Owner > "It’s not perfect for every single use case, but for most, it’s reliable, powerful, and saves a lot of time and hassle." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7075682) SK Shawnalee K. Office Manager > "I have to type it in-and if I miss a number or input too many, I can cause a huge error." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6754039) Alicia E. Full stack developer > "Their navigation panel is visually appealing and modern which gives trust. And the best part is that is free to install." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7142589) KG Kim G. Performance Marketing Manager > "t can get pricey, especially with high transaction volumes, and small businesses might feel a bit overwhelmed by the technical..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6487419) BG Blair G. CEO > "I have confidence that stripe will handle all my billing needs while providing a secure platform my customers can use." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7040624) DP Digna P. Counsellor > "Sometimes not as clear on the Stripe app when and how much a customer has paid or how to request a refund." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6428626) AS Adewale S. Officer > "Stripe billing is easy to use and quite secured with continuous information update with me as a user." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) VR Verified Reviewer Executive Director > "I haven't figured out how to integrate it or optimize it with my donor CRM on my website." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592488) Austin F. President > "Stripe Billing has been extremely reliable and scalable for my agency." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7094103) SG Sonya G. Accountant > "No notifications exist for the automatically cancelled subscriptions, which is hard to follow when there are many customers to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4999358) Victor D. Support-Analyst > "Great experience overall, even though it's sometimes a pain to revisit flows or make adjustments to some settings; the platform..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7013565) RD Ruti D. CEO > "The fees can get pretty high, especially for larger payments." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6574672) DD Dennis D. Business Owner > "It works well and it's not too hard to integrate the system with my online store (WordPress - WooCommerce) and other services." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6763787) CB Candida B. founder, coach > "It took me a while to work out how to set up product and discount code." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6675578) Alicia E. Full stack developer > "I integrated stripe with Wocommerce and the process was super easy." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7142589) BN Bolortuya N. Business Operations Manager > "Subscriptions are much harder to manage than they make it seem to be, also if an invoice needs to be amended the due date cannot..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6039380) VR Verified Reviewer Senior Sales Development Representative > "Stripe is a powerful payment processing platform for online businesses." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7003142) Nicole D. Owner > "I also feel like the CC fees are too high in general, however I don't think the fees Stripe charges are any different than anyone..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) VR Verified Reviewer Tech support > "Its highly secure and compliant but you'll need to weight thr pros and cons if you are a smaller company." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7002779) CM Carolyne M. Company Director > "It felt over complicated." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6421495) AS Adewale S. Officer > "Overall Stripe Billing has given me an excellent e perience as a user." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7081196) Nicole D. Owner > "I don't like that Strip holds payments before processing and paying out." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) Victor D. Support-Analyst > "It's easy to find customers, invoices and set up recurring billing and schedules." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7013565) RS Rod S. Recruiter > "Often difficult to set up and manage/understand when payments are received" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6049505) VR Verified Reviewer Data Analyst > "It is super easy to set up and use, automates recurring payments effortlessly, and makes invoicing clear and simple." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7023513) VR Verified Reviewer Heartbreak Whisperer > "Overall, it doesn't make me confident at all to use Stripe Billing as a stand-alone tool for all my invoicing, billing and..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3770262) MC Madison C. Payment Processing Specialist > "It's a powerful tool for any business that relies on recurring revenue or subscription-based models." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6591107) Arjun K. Co-founder > "poor at handling partial payments" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6075083) OH Olivia H. Owner > "Stripe has made it easier for me to get payments for the different products I sell online." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6795329) Gin Fung Y. Director > "It is more expensive than other platforms for the basic user like myself" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4834631) AD Ashley D. Attorney > "I love that it tells me how much I’ve made year to date versus the same time last year. And I love that you can have the funds..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6743141) Hardik M. Team Leader > "Manytimes payout is taking time to process payment. And also sometimes payment failed issue. But it is not consistence issue." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4345206) Melissa Z. Owner > "Viewing sales is organized and easy to read." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___7102412) BH Barb H. Professional Development Chairperson > "Unhelpful feedback from Stripe employees." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6016131) CH Chantea H. Owner > "It’s pay as you go so you can afford to use it while you build and start to maintain your customer base growth." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6433611) BL Beth L. Director > "It's hard to find specific transactions and payments in their User Interface." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3795276) JC Jacqueline C. Brand Designer > "I've been using this payment gateway for the last 10 years but since the pandemic it has become my preferred payment gateway for..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592046) SnJN Starène Juldanie N. commerciale > "I didn't like the customer service of the software, because the live chat of the service is not good." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4450408) RR Rosanne R. Owner > "I appreciate access to my account, and can almost always find what I need on my own." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6838715) BL Beth L. Director > "Filtering and searching are abysmal." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3795276) MF Megan F. owner > "Made receiving money and transferring to bank account simple and fairly quick, easy to get set up and establish you account" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6868369) NP Nith P. Ceo > "Maybe a bit overpriced, thats all to be honest" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___4738256) DD Dennis D. Business Owner > "I like that I can set up recurring subscription billing for my customers really easily" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6763787) KP Karen P. Owner > "I have to have too much info to run a credit card such as billing address." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2861475) Nicole D. Owner > "I like being able to take payments remotely, create subscriptions, create custom payment links and product tables as well." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6229951) AJ Ashley J. Personal Trainer > "The online portal is so confusing." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___3976816) MC Madison C. Payment Processing Specialist > "Stripe Billing makes managing recurring subscriptions and invoices incredibly easy." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6591107) AS Adonay S. CTO > "At first it's difficult to get familiar with all the concepts they use for their different parts of the process, I wasn't able to..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2398650) JC Jacqueline C. Brand Designer > "It isn't perfect but it does what it says and transfers into my bank account much quicker than the expected time frame." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6592046) KP Karen P. Owner > "I have asked customer service about this and they say someone will call to discuss but that has never happened" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2861475) RS Ryan S. Director > "It's been a very welcoming experience with good customer support and fast turnaround times withdrawing to bank accounts and..." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6502023) Jake S. CEO > "I don't like that you cant pro-rate a month of service, this makes it difficult to keep billing dates consistent" [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2216162) RS Ryan S. Director > "Overall Stripe provides a good platform for our business to take payments online." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___6502023) MH Matt H. Director > "The only bit about this software that is frustrating is that it takes a while for the money to arrive in your bank." [See full review](https://www.capterra.com/p/178774/Stripe-Billing/#Capterra___2240969) [View Reviews](https://www.capterra.com/p/178774/Stripe-Billing/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 4.65 (205) [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,406) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Accounting Integration 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Stripe Billing Top features 26/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/178774/Stripe-Billing/#features) PayPal 21/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/207944/PayPal/#features) ### Recognition Stripe Billing 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 Stripe Billing 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 Stripe Billing - By Stripe - Located in United States - Founded in 2009 PayPal - By PayPal - Located in United States - Founded in 1998 ## Popular Comparisons [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,445)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.6 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/178774-190778/Stripe-Billing-vs-QuickBooks-Online) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) Contact vendor for pricing Price €0.01/month 4.6 Features 4.6 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/178774-268623/Stripe-Billing-vs-Abby) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) Contact vendor for pricing Price $25/month 4.6 Features 4.3 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-178774/Xero-vs-Stripe-Billing) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,445)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,638)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) Contact vendor for pricing Price $2210/year 4.6 Features 4.4 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-178774/QuickBooks-Enterprise-vs-Stripe-Billing) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Contact vendor for pricing Price $0 4.6 Features 4.6 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/163114-178774/Zoho-Invoice-vs-Stripe-Billing) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.77 (718)](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) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/)[4.65 (205)](https://www.capterra.com/p/178774/Stripe-Billing/reviews/) vs [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Contact vendor for pricing Price $19/month 4.6 Features 4.2 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/178021-178774/Wave-Apps-vs-Stripe-Billing) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,406)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/) $0.29 Price $25/month 4.6 Features 4.4 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/207944-221412/PayPal-vs-authorizenet)