# Compare PayPal vs Affirm 2026 | Capterra > Unsure of what to choose? Check Capterra to compare PayPal and Affirm based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/207944-218694/PayPal-vs-Affirm --- # PayPal vs Affirm 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: PayPalAffirm2/4 selected [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) [Affirm](https://www.capterra.com/p/218694/Affirm/)[4.8 (52)](https://www.capterra.com/p/218694/Affirm/reviews/) [## 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 [## Affirm](https://www.capterra.com/p/218694/Affirm/)[4.8 (52)](https://www.capterra.com/p/218694/Affirm/reviews/) Starting Price Contact vendor Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.8 Customer Service 4.5 Reviews Sentiment Based on [52 reviews](#user-reviews) Positive 48 Neutral 3 Negative 1 ## Not a match? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. ### Acumatica Cloud ERP 4.4 (243) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 92% of reviewers rated it above 4 stars * * * ### Odoo 4.2 (1,314) * * * Starting Price $31.10 Per User,Per Month Free Trial Free Version * * * User rating 83% of reviewers rated it above 4 stars * * * ### Stax 4.2 (142) * * * Starting Price $99.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 79% of reviewers rated it above 4 stars * * * Highest Rated ### Stripe 4.6 (3,354) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 93% of reviewers rated it above 4 stars * * * ## 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. ## 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 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.5 Expense Tracking 3.9 \--%Fit Missing features Feature ratings Data Security NA Online Payments NA Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking NA User satisfaction 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 User satisfaction 4.8 User reviews[52](https://www.capterra.com/p/218694/Affirm/reviews/) Ease of use 4.8 Functionality 4.6 Value for money 4.5 Customer support 4.5 Price starts from Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. Best for Affirm is tailored to merchants looking to increase average order value and repeat purchase rate. Regardless of industry or size, Affirm removes price as a barrier, turning browsers into buyers. ## User reviews Pros & cons 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/) AW Angela W. Founder of The Mandated Reporter School > "As a business owner, this feature allows the parents to break their monthly fees into smaller, more manageable, payments that work..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6830639) VR Verified Reviewer Architecture > "Fine, I did it. But then the entire process got stuck on “order processing” while the money was already taken from my account! When I..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285) SJ SHERYL J. FIELD ESTIMATOR > "It allows for multiple options on how I'd like to pay for a product overtime, integrating very well with company monthly budget..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6695240) VR Verified Reviewer Architecture > "Poor money reversal process – Refunds take an unreasonably long time (up to 100 days) to process." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285) SF Sarah F. Sales Orderer-Purchases > "My favorite thing about affirm is having so many options to pick for payment plans, whether you want to pay it off in 3- 12 month..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6840584) Royce C. Software Reviewer > "I didn't like how everything separated my payments on certain products I wish it could have been combined into one payment" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6735205) OK Omar K. Fulfillment specialist > "It helps me manage my money and allows me to buy the item I want without breaking the bank!" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6652761) HW Heather W. Owner > "Everything no one can tell me why I can’t have an account after almost 2 years of being told there’s no reason why you should be..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6719515) Royce C. Software Reviewer > "I enjoyed the fact that I could purchase things on Amazon or other online stores That's actually how I was able to get my equipment..." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6735205) AW April W. Administration > "Interest was low for me securing product I wouldn't otherwise have been able to purchase." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6626474) OK Omar K. Fulfillment specialist > "I love how you can purchase something and manage your finances by not putting a dent on your pocket." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6652761) WD Will D. Owner > "It is constantly reaching out about varying promotions that do not apply to me" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6779223) WD Will D. Owner > "Ease of connecting potential purchases with payment plans that meet my needs" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6779223) VR Verified Reviewer Architecture > "Affirm seriously needs to fix their ridiculous money reversal process." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285) LR Lola R. Creative Editor > "I especially enjoy the dashboard because it shows right up front how much "money" is available." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6685232) DW Driale W. Owner > "They go based off credit which is a headache because not everyone has good credit!" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6786377) TT Tommy T. AV Technician > "Lots of companies use affirm as a financial option and they are efficient on that." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660328) AB Autumn B. Designer > "I dislike the interest rates that are associated with the service" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6324391) DW Driale W. Owner > "That is gives you an option for flexible payment which is wonderful!" [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6786377) SB Stacey B. service writer > "I don't like that even if I'm paid up on my open loans, sometimes it doesn't allow me to take out another loan." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___4324480) MH Meghann H. Owner and Operator > "Your clients can get an approved credit line to help pay for the items they want and I think it's safer than some similar programs." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6091557) AI ADRIANO I. CFO > "They took forever to answer, and we got tired to wait for answers." [See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6343220) [View Reviews](https://www.capterra.com/p/218694/Affirm/reviews/) ## User interface [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,504) No images or videos provided by vendor ## 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 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) Affirm 2/37 - 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/218694/Affirm/#features) ### Recognition PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports No recognitions have been awarded to Affirm ### Deployment & support 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 Affirm 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 PayPal - By PayPal - Located in United States - Founded in 1998 Affirm - By Affirm - Located in United States - Founded in ## Popular Comparisons [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) [Affirm](https://www.capterra.com/p/218694/Affirm/)[4.75 (52)](https://www.capterra.com/p/218694/Affirm/reviews/) vs [Shopify](https://www.capterra.com/p/83891/Shopify/)[4.54 (6,698)](https://www.capterra.com/p/83891/Shopify/reviews/) Contact vendor for pricing Price $29/month 4.6 Features 4.4 4.8 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/83891-218694/Shopify-vs-Affirm) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](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 (3,032)](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) [Affirm](https://www.capterra.com/p/218694/Affirm/)[4.75 (52)](https://www.capterra.com/p/218694/Affirm/reviews/) vs [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (308)](https://www.capterra.com/p/229452/Afterpay/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.6 Features 4.6 4.8 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/218694-229452/Affirm-vs-Afterpay) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.77 (726)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.16 (142)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) $0.29 Price $99/month 4.6 Features 4.2 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](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) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Shopify](https://www.capterra.com/p/83891/Shopify/)[4.54 (6,698)](https://www.capterra.com/p/83891/Shopify/reviews/) $0.29 Price $29/month 4.6 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/83891-207944/Shopify-vs-PayPal) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Clover](https://www.capterra.com/p/226864/Clover/)[3.77 (576)](https://www.capterra.com/p/226864/Clover/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 3.8 4.6 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/207944-226864/PayPal-vs-Clover) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (308)](https://www.capterra.com/p/229452/Afterpay/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.6 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/207944-229452/PayPal-vs-Afterpay)