# Compare ePayPolicy vs PayPal 2026 | Capterra > Unsure of what to choose? Check Capterra to compare ePayPolicy and PayPal based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/198072-207944/ePayPolicy-vs-PayPal --- # ePayPolicy vs PayPal Features and Cost Comparison Last updated June 3rd, 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: ePayPolicyPayPal2/4 selected [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) [## ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) Starting Price $25.00/month Value-for-Money 4.8 Functionality 4.8 Ease of Use 4.9 Customer Service 4.8 Reviews Sentiment PG Based on [258 reviews](#user-reviews) Positive 256 Neutral 0 Negative 2 [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,504)](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 [26,504 reviews](#user-reviews) Positive 24,908 Neutral 1,069 Negative 527 ## 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 23,599 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 75%Fit Missing features Not enough reviews Feature ratings Data Security 5.0 Online Payments 4.9 Payment Fraud Prevention 4.8 Debit/Credit Card Processing 4.8 Expense Tracking NA 100%Fit 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 4.9 User reviews[258](https://www.capterra.com/p/198072/ePayPolicy/reviews/) Ease of use 4.9 Functionality 4.8 Value for money 4.8 Customer support 4.8 User satisfaction 4.6 User reviews[26,504](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 $25Per Feature, Per Month - Free version - Free trial Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Best for Best for Independent Agents, MGAs, Brokers, Carriers, Premium Finance Companies Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. ## User reviews Pros & cons PEG Paul E G. Agency Owner > "What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT with a..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005274) BR BECKY R. ACCOUNTING MANAGER > "WE DO NOT HAVE THE ABILITY TO DECLINE PAYMENTS BEFORE THEY ARE POSTED. WHEN A PAYMENT NEEDS TO BE RETURNED THERE ARE SEVERAL DAYS..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000990) RD Rosalie D. President > "The branded payment page adds a polished touch, and the ability to accept ACH and card payments within 24 hours has dramatically..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883470) SK Stephanie K. Insurance Agent > "Clients often have to pay processing fees (especially for credit card payments), which can cause friction or..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883270) SC Stacey C. Account Executive > "Also, ePay is integrated into our management system when a client pays us it automatically reconciles that payment and it's..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883471) NL Nimisha L. Principal Owner > "Emails - Should be able to mask the email with the agency name. As it may goto client spam box or they may not trust it as its not..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550) VR Verified Reviewer Accounting and Operations > "Our clients can simply and securely pay their premiums via a link we have available on our invoices and email without any..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882366) MB Mark B. Insurance Agent-Broker > "Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit and their..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236) JL Jing L. Accountant > "It made collecting payments from clients much more efficient, and the integration with our existing accounting system saved us a..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005190) BF Brendan F. Insurance Broker > "I was unable to locate the created invoice in our AMS system using the account number or invoice number." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883228) TK Tabatha K. Account Manager > "I also always let the client know when making their ACH or Credit card payments their payment information is safe and secure as..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364) KW Kurt W. Agency Owner > "Before having ePayPolicy I had no way other than checks for payment in full for insurance policies that didn't offer payment plans" [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005195) SH Sojha H. Principal > "Payments come in quickly, deposits are reliable, and I can keep better track of my sales and client payments all in one place." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005708) DW Diana W. CSR > "It is sometimes difficult for customers to find their invoices if they enter the wrong zip code, etc." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520) BC Branda C. Agent > "Being able to accept credit card payments and having a professional looking payment landing page for my clients." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000540) BE Brianna E. Accounts Receivable > "Also if there are credits on the account (which are unseen to insured), payment is not taken and can sometimes be overlooked and..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000917) VR Verified Reviewer Account Manager > "Really has helped us cater to our busy clientele, very limited learning curve and even our least tech savvy team members have..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158205) SF Sam F. VP of Underwriting > "It is hard to get things processed or checked through the admin side of the website." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882342) BB Bobbi B. Commercial Agent > "We just started with ePay but so far it is proving to be very useful to our agency, particularly with speeding up the time it..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000451) PD Pedro D. CEO > "Another issue I have, is that deposits are not always deposited in a timely manner." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882604) Ashley B. Finance Director > "The ability to send reminder emails to our clients is quick and efficient." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157819) MB Mark B. Insurance Agent-Broker > "I dislike the link you get from epaypolicy to add to emails is really long." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236) NL Nimisha L. Principal Owner > "She told me I was an angel (lol) because she was able to make her premium payment right from her couch—without writing checks,..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550) CC Catherine C. Operations Manager > "Sometimes it is difficult to explain to clients why the card fees are a percentage." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7006444) CD Clay D. CFO > "Site integrations are very robust and we're able to plug in other tools like premium finance and back end processing." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005661) JH JORDAN H. Sr. VP - Director of Operations > "Having to split larger transactions is frustrating." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882299) LW Lynnette W. President > "Efficiency - we love being able to send our clients a link and for them to easily make payment." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157825) LK Leslie K. Agent > "Credit card and ACH fees, but I know that can't be helped." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882308) MB Matthew B. agent manager > "ease of the service, ability to send links or just create invoices, refund policy is great as well, all around great service" [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000496) DW Diana W. CSR > "It has highlighted some issues on our agency's side." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520) DR Damon R. Agency Principal > "We also find the program to pay our wholesales directly very easy and creates tracking for us as well." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882304) TF Tanner F. Account Executive and Member > "The website is slow to load." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883459) ALM Ana Laura M. President > "The system is safe and secure and makes the client feel more comfortable by avoiding having to give their banking info to process..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631) AH Andrew H. Insurance Agent > "Sometimes we need to send refunds to clients, and I have to hand write checks which I hate because it is time consuming." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697) AG Angela G. Insurance Broker > "I am thankful that it provides clients with the option to pay with a bank account or a credit card." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882327) DV Donna V. Agency Principal > "Premiums collected are not "INCOME" to my agency, they are gross premiums, 90% of which is the carrier's premium." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081932) CR CHARLES R. Owner > "The process is streamlined and seamless for use as a broker. " [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157690) SM Stacy M. Commercial Lines Manager > "The payment amount cap has created a few issues on larger accounts attempting to make their premium payments." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081374) ALM Ana Laura M. President > "It has given my business the ability to keep up with the times and new ways of conducting business." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631) TK Tracey K. Commercial Insurance Agent > "Honestly i do not think i have anything that i dislike about epay system." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000444) AB Annika B. Accounting and Administrative Coordinator > "It doesn't seem to break very often at all, and the dependability is pretty unmatched." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158154) LM Lee M. owner > "Price and useability Why do they charge us a monthly fee when they are collecting Exorbitant fee's from the client's. " [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081296) TK Tabatha K. Account Manager > "It is a great tool that helps our clients pay their agency billed payments quickly and conveniently. " [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364) AH Andrew H. Insurance Agent > "I have to click several links to get to it, which is annoying since it's one of only two features I use." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697) LS Lois S. Accounting > "Our clients love the option to pay for their agency bill invoices online." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005187) DK Diane K. Accounting > "Sometimes the time between client payment and the money getting to our account seems excessive." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081864) AJ Adrienne J. Vice President > "Great addition to have an option for payments to offer clients and easy to add link to email footer for them to use." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005655) BM Betty M. Owner > "Delay waiting for funding (not their fault but still can take a few days to get funded)." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081240) LO Luis O. PRESIDENT > "It’s user-friendly, fast, and secure, which gives our customers peace of mind while helping us streamline operations." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005579) KS Kaitlin S. Office Manager > "The fees on credit/debit card fees would be my least thing I like about it." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081391) TE Tara E. Bookkeeper > "The simplicity of sending clients a link for payment has been great. " [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157685) BA Brandy A. Agency Owner > "We are unable to set up reoccurring payments without action from the client." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081847) KC Kelley C. Account Executive > "The platform is user-friendly, secure, and integrates seamlessly with our agent management system." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005570) DM Douglas M. President > "It does not integrate with our agency management system." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081694) GG Gregory G. CEO > "ePayPolicy is easy to use; it has improve our agency's workflow and really helps with "just in time" situations when policies need..." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005789) KH Kristi H. CSR > "The cost of running a credit card it getting to high." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081772) AB Ava B. Senior Account Manager > "My experience with ePay has been in assisting our clients to process their payments to our agency. " [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882279) CR Cheryl R. Account Manager > "I feel $10.00 is a bit much." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081712) CB Carmen B. CEO > "I run a small agency, and finding a reliable way for clients to make payments was a top priority." [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000484) CE Cindy E. ceo > "price is not very good and it takes too long to process" [See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6087187) [View Reviews](https://www.capterra.com/p/198072/ePayPolicy/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) 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) AP Ashley P. Founder, Princial Consultant > "PayPal is a reliable payment solution for businesses that need a convenient way to send payments, receive money, track transactions, and maintain organized financial records." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7174661) 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) 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) BZ Briana Z. Art Instructor > "Accessing PayPal statements for PayPal Credit can be tricky- the bug is the page often won't load and the site encounters issues and error messages when trying to download statements." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166632) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) Michelle C. CEO > "Some parts of PayPal can be confusing, especially when trying to understand fees, payment holds, invoices, prepaid cards, or why a payment method is not working the way expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7179833) 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) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) 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) 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) 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) 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) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) SP Susan P. CEO-Owner > "Even when I’m just making normal transactions, it can be frustrating if a payment gets flagged and my funds are temporarily frozen while verification is requested." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844) PP Piyusha P. Customer service > "I also appreciate the invoicing capabilities, buyer and seller protection features, and seamless integration with online stores and marketplaces." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) 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) 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) 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) AE Amrin E. Marketing Director > "Occasionally, account reviews or verification requirements can slow down access to funds, which may be inconvenient for businesses that rely on quick cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7161766) NM Nicole M. Breeder > "There are so many different options to use with PayPal, I like that I can connect it with my eBay account and make purchases and it also has the pay later feature." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7155455) 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) 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) 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) 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) 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) SP Susan P. CEO-Owner > "What I like most about PayPal is how it reduces friction in everyday payments. Once my account is set up, I don’t have to repeatedly pull out my card or retype long billing details." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844) EA Estrella A. Software Engineer > "Their customer support chat is often unhelpful, and resolving account bugs or payment issues feels impossible with their automated messaging." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7180023) 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) 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) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) 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) AA Abdalmeged A. It engineer > "Transaction history and invoicing tools are well-organized, making expense tracking straightforward for both personal and business use." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154507) Valery C. Digital Philanthropy Officer > "Sometimes it is buggy with payments if you attach gift cards, and it becomes annoying to deal with since payments seems to go through but then don’t." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177151) 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) VR Verified Reviewer Teacher > "Also, sometimes the customer support takes a bit longer to resolve account holds or verification issues, which can delay urgent payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7159479) 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 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) 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 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) ET Elena T. CMO ecommerce > "I personally like that you can easily create a business account in different currencies to create invoices, and it's super easy to integrate with WooCommerce or any other e-commerce platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7165284) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) VR Verified Reviewer Founder > "I understand the need for fraud prevention, but the way funds were held and limits were applied felt excessive given that we were already an established ecommerce business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154220) 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) 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) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) VR Verified Reviewer 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) PP Piyusha P. Customer service > "The user interface is intuitive, making payments, refunds, and account management simple even for non-technical users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831) Alex M. CEO > "The fees for receiving payments via credit card can add up, and customer support can sometimes be slow to resolve disputes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177532) 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) RR Rhonda R. Administrator > "It has too many items that it charges for, too many ways they try to take from users, and too little customer support." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166187) 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 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) 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) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) SM Steve M. Instructor > "We needed an easy way to take credit card payments and electronic transactions for our small operation- 4 main payments times per year so PayPal has been a great tool for that." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6851880) NHH Nguyen H. H. Deputy Service Manager > "The customer support response times are not consistent and the customer may not be able to get a response when needed." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7163565) JP John P. Transport Broker > "Sending payments instantly via the mobile application will make sure that I never make a driver wait, even during weekends." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7076423) 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) VR Verified Reviewer Sales Lead > "The features for expense and payment tracking and managing that this system provides me with have saved me a lot of effort." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7077204) 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 Accessories Designer > "PayPal sorted this issue out for me immediately, and when the business did eventually contact me and resolve the issue, PayPal took it from there as well, making my part in the matter very limited and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7174250) 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) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## User interface 4.88 (258) [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,504) ## 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 ePayPolicy 23/37 - 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/198072/ePayPolicy/#features) PayPal Top features 28/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/207944/PayPal/#features) ### Recognition No recognitions have been awarded to ePayPolicy PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports ### Deployment & support ePayPolicy 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 ePayPolicy - By ePayPolicy - Located in United States - Founded in 2014 PayPal - By PayPal - Located in United States - Founded in 1998 ## Popular Comparisons [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.88 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/) $25/month Price Contact vendor for pricing 4.8 Features 4.6 4.9 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/198072-222572/ePayPolicy-vs-Venmo-) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,354)](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) [ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.88 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