--- title: "Compare PayPal vs Klarna 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare PayPal and Klarna based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/207944-230509/PayPal-vs-Klarna" page_type: "comparison" language: "en" --- # PayPal vs Klarna Features and Cost Comparison Last updated August 26th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: PayPalKlarna2/4 selected [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.7 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,629)](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 [26,629 reviews](#user-reviews) Positive 25,023 Neutral 1,076 Negative 530 [## Klarna](https://www.capterra.com/p/230509/Klarna/)[3.7 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) Starting Price Contact vendor Value-for-Money 3.6 Functionality 3.9 Ease of Use 4 Customer Service 3.4 Reviews Sentiment Based on [103 reviews](#user-reviews) Positive 71 Neutral 4 Negative 28 ## Not a match? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. Highest Rated ### 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 * * * ### Adobe Commerce 4.3 (662) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 87% of reviewers rated it above 4 stars * * * ### Odoo 4.2 (1,328) * * * 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 (146) * * * Starting Price $99.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 79% of reviewers rated it above 4 stars * * * What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 23,961 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 68%Fit Missing features Feature ratings Data Security 4.2 Online Payments 4.3 Payment Fraud Prevention 3.9 Debit/Credit Card Processing 3.9 Expense Tracking NA User satisfaction User satisfaction 4.6 User reviews[26,629](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 3.7 User reviews[103](https://www.capterra.com/p/230509/Klarna/reviews/) Ease of use 4.0 Functionality 3.9 Value for money 3.6 Customer support 3.4 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 Not provided by vendor ## 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..." [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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449) CD Cody D. Performance Head > "Paypal easily adds my bank account and make secure payment using the email and the otp , even after i do my payment i got the invoice receipt over the email which is so useful for me." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7181696) 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) VR Verified Reviewer Administrative > "I also like the data managing feature of transaction history where I can review my past receipts and invoices, which helps me in expense management. Whenever I find any glitch like..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186832) 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) 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) Bruno M. Sales Executive > "Another disadvantage of PayPal is that it might limit the account in case of high sales volume, large transactions, or several failed attempts in a short period of time." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7188234) 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) 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) Deepak G. Administrative executive > "My overall experience with the PayPal is highly positive I would say that PayPal is the central application and portal to get money from most of the international vendors who are ready..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189314) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Bruno M. Sales Executive > "What is more, PayPal has such advantages as High Security since all the financial data of the user is encrypted, availability in more than 200 international markets and numerous..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7188234) 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) VR Verified Reviewer Software Engineer > "It has simplified online payments, invoicing, expense management, and record keeping by providing organized transaction data and easy access to payment history." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) 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) VR Verified Reviewer Software Engineer > "I especially like the invoicing feature, detailed transaction history, and expense tracking, which make it easier to manage personal and business finances." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) 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) 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) 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) 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) 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) 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) VR Verified Reviewer Administrative > "The only thing I dislike about Pay Pal is the app glitches, like data loading issues or getting the payment notifications late." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186832) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) Kabeer Q. public relations > "The Fee Tax: Watching $10 to $50 vanish from every major invoice feels painful, especially when competitors offer cheaper bank-to-bank transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) 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) DR Dave R. Manager > "The platform has consistently provided a secure and convenient way to manage payments, with quick transaction processing and dependable buyer protection." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183065) NS Naveed S. computer typist > "Sometimes payments get held or delayed unexpectedly for security reviews, which can slow down cash flow when dealing with tight deadlines." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189422) DW Dylan W. Operations Manager > "Creating invoices are an absolute breeze because it automatically generates the entire form based on just the payment information you used and submitted." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184946) Wills S. Brand Designer > "PayPal made international commerce feel local. If you've ever tried to buy something from an independent creator halfway across the world, standard banking can be a nightmare of wire..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7182039) Deepak G. Administrative executive > "they only charge the nominal fee of about 4% per transaction and I I have rarely used their customer support services free are easily available and there are no lags in the transfers..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189314) 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) 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) 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) 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) 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) NN Nyasia N. Assistant Residence Manager > "PayPal also provides strong security features that help protect personal and financial information, making users feel safe when sending or receiving money." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7191333) 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) Shivajatkumar G. Assistant IT OFFICER > "I also appreciate its global reach, user-friendly platform, fast transactions, and commitment to protecting both customers and businesses from fraud."" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7187922) Tanya D. President > "There were sometimes some glitches when trying to use it since one account was logged it, would not allow that to log out and change to make a payment." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183841) 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) DR Dave R. Manager > "Transaction fees can be higher than some alternative payment platforms, particularly for business transactions or receiving certain types of payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7183065) 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) 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) 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 > "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) VR Verified Reviewer Software Engineer > "PayPal offers a secure and user-friendly payment platform that makes sending, receiving, and managing payments very convenient." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7165284) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) VR Verified Reviewer Software Engineer > "The biggest drawback is the transaction and currency conversion fees, which can become expensive for frequent international payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184779) 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) VR Verified Reviewer Systems Administrator > "Some buyers struggled with paying the ‘extra’ goods and services fee for their ‘insurance’ that they had PayPal’s protection if something went awry but it was only a few." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7189235) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) Kabeer Q. public relations > "Dispute Drama: If you ever have to actually file a dispute, the interface becomes incredibly clinical and bureaucratic." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118) AB Alex B. IT Support specialist > "I also find the invoicing feature useful, and having my payment history and information organized in one place makes things easier to manage." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186567) 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..." [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) MO Makenna O. Marketing Manager > "What I like the most about PayPal is that the platform is completely free to use and many online retailers allow you to pay via PayPal for a quick and easy check out." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7165679) 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) 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..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) 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) 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) Kabeer Q. public relations > "Dispute Drama: If you ever have to actually file a dispute, the interface becomes incredibly clinical and bureaucratic." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184118) 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) RS Radha S. Legal Assistant > "Additionally, the interface can feel cluttered, and navigating to specific settings or resolving problems isn’t always intuitive." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) Namrata A. Talent Acquisition > "The interface is user-friendly, and I have not faced any major issues while using it. Although there is room for improvement in fees and transfer speed, it has been a dependable..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7186641) Alex M. CEO > "The interface occasionally feels cluttered with promotional content." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177532) VINAY P. Engineer > "Its wide acceptance across e-commerce websites and integration with many business platforms make it convenient for both personal and professional use." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177541) NAGESH B. Sr Transaction Processing Officer > "For most, this makes PayPal the "default" for any site they don't 100% trust." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) DD Denise D. Web Consultant > "The ease of use and the ability to integrate PayPal buttons directly on my website are perhaps the best qualities of this product." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7114205) LR Lola R. Creative Founder > "Often, the download time on my MacBook Air is really slow, and even refreshing the URL is to no avail." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6657801) SL Sai L. Assistantship > "The platform is incredibly reliable, and the checkout process is seamless across most websites." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7170052) SB Sydney B. Paralegal > "The only thing I dislike is when I try and generate a label the website freezes on me." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6689832) Konstantin P. seo > "It also allows to use integrated mendy other CRM systems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7144577) GI Gabriel I. Founder > "Also, Paypal business doesn't have many options to integrate easily." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6761274) DM Darnell M. Mentor > "What I loved most about the PayPal app is the ease of use along with its detailed instructions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7161692) VR Verified Reviewer Director of Public Relations > "I wish more people used PayPal, as it sometimes feels like it’s becoming less popular with younger users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078455) YF Yvon F. Sales Development Representative > "What I like most about Paypal is that is very easy to access with and its less hassle too." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7158523) FL Faith L. Therapist > "It can be difficult to navigate sometimes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7181864) MW Mekailah W. Owner > "I mean it is beneficial, rewarding and i can use it for business or personal" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116337) Dan M. president > "sometimes hard to get in to ." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7184309) ÁLvaro C. Deploy Manager > "It's very easy to use, with a clean interface that isn't cluttered with too much information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7182139) Jaquelyn L. Tech > "This company has really gone downhill and extremely unhelpful that will waste lots of your personal time" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116363) DD Denise D. Web Consultant > "I have been using PayPal since I started my online business and anytime there may be a customer service issue, they easily resolve it." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7114205) 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) VB Violet B. Artist Representative > "Other than not having the ability to speak directly with a human customer service rep now I still enjoy the program a lot." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7137391) 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) Anya C. Stay at home mom > "The customer service is great at helping when you have a problem and there is no minimum to how much you have in your account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078426) AE Andrea E. Illustrator and Designer > "It was also hard to get in touch with a customer support agent that wasn't AI, which made communication a lot harder than it needed to be." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7144646) Cristin H. Office manager > "It's a solid essential service with some clear areas that need improvement" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7179372) MK MO K. MD > "The transaction fees are a bit high, and the customer support can be slow to respond." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) JP Jamie P. Heating Specialist > "The app is intuitive, provides clear payment schedules and reminders, and integrates with a wide..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7189726) LJ Lyn J. Senior Manager > "The only problem I have is that Klarna allows for individuals to overspend and not use debt as an..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7133486) LD Leo D. Embedded software test engineer > "Smooth app, flexible payments, and enough reminders to make you question your life choices." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7127587) VR Verified Reviewer Student > "The customer support can be a bit of a headache if you have to return an item and the merchant is..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550) DG Damian G. CTO > "I like how seamless the checkout integration is for my clients stores." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7120503) BS Bill S. Owner President > "Can’t sign in can’t get to chat with anybody your phone there and they can’t help me so don’t..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306) VR Verified Reviewer Student > "The app is really easy to navigate and I like that it sends me reminders before a payment is due" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550) MC Martin C. CEO > "They are dragging out procedures to avoid refunding amounts in dispute following potential fraud..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6793002) CK Clayton K. Clerk Two > "I really enjoy using Klarna as my go to for payment credit. " [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135267) MT Mikhail T. welder > "On December 10, I received a message that KLARNA had charged me more than $400 from my account..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6622275) AC Ashley C. Commercial Advisor > "Many retailers offer promotions via Klarna and I like the option to pay for the entire purchase at..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6650789) BS Bill S. Owner President > "Can’t sign in keep sending me to text numbers to continue." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306) MP Marko P. Photographer > "What I liked most about Klarna is the payment plans and integration with multiple payment platforms" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6581285) JD Julie D. Dispatcher > "So Walmart was having a glitch on their app, and Klarna is punishing me for it." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) VR Verified Reviewer Student > "It makes the whole shopping experience feel a lot more modern." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550) JD Julie D. Dispatcher > "Customer service is useless, sorry but they are, always overseas representatives, who can do..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) VR Verified Reviewer Student > "Overall i have had a great experience using klarna for my online shopping." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550) JD Julie D. Dispatcher > "Horrible customer service is useless and there pretty much is no customer service." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) AS ALFREDO S. LEAD > "cybersecurity super important." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7117164) JD Julie D. Dispatcher > "Kind of defeats the purpose of the Klarna app doesn't it." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) ALEXANDER G. Owner head photographer > "Well Klarna has been a great option for me on many occasions." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7114391) DM Dylan M. CIO > "These all make the app much slower than alternatives." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759) DS Dani S. Seller > "What I like most about Klarna is how reliable it is, how easy it is to use, and how quick it is to..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7125603) SA Sandra A. Head of accounting > "They algo give no option to answer disputes so any incident results in a loss of money for the..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6104588) CM Cameron M. Manager > "What I liked most about Klarna at the time were the options versus other apps, Klarna had more..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6842750) David P. General manager > "However they keep saying “we will sort it after 6 month I find out they sent me to a debt agency..." [See full review](https://www.capterra.com/p/230509/Klarna/#GetApp___6143076) HW Hannah W. Tax Accountant > "Klarna is a great way to shop securely and space out payments!" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7082936) MT Mikhail T. welder > "it charged me twice the amount it was supposed to" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6622275) EJ Ethan J. Auditor > "Klarna additionally has easily contactable customer support." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7104351) JD Julie D. Dispatcher > "They will just keep repeating that it's computer generated." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) KC Kimberly C. Regional sales Manager- West > "Klarna allowed me to buy all my work clothes all at once and pay for them in 4 smaller payments..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6054525) DM Dylan M. CIO > "Terrible downgrade from Storcard." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759) ALEXANDER G. Owner head photographer > "The availability is always going to be the best part" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7114391) JD Julie D. Dispatcher > "Worst app ever." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) AS ALFREDO S. LEAD > "I like the app on my phone, super easy to use, excellent customer service." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7117164) BS Bill S. Owner President > "It’s ridiculous waste of time." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306) DS Dani S. Seller > "My overall experience with Klarna has been nothing short of great." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7125603) DM Dylan M. CIO > "Terrible." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759) AB Amile B. AP Controller > "It has been great when you have to manage your monthly spending budget." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6705626) BS Bill S. Owner President > "Terrible app." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306) JA James A. CEO > "Easy to use and can receive immediate acceptance on payment options." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6773821) GT Gabriel T. editor > "Cannot use it to buy things." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6391063) SL Simon L. Manager > "Integrates perfect with shopify, customer service there 24/7 to assist if any issues, setup was..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4229701) JW Jordyn W. Student Trainer > "I don't like that this option is not used for a lot of brands and online stores, however, it is..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4571678) HW Hannah W. Tax Accountant > "It is easy to use and I have never had any issues with it!" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7082936) SB Sarah B. Research Analyst > "Klarna claims they have no control over the way that is dealt with but it is hard to believe." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4977761) MP Marko P. Photographer > "My overall experience with klarna was positive but not show stopping compared to its rivals" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6581285) Gustavo B. Director > "There are no phone numbers or chat systems to get human prompt response to issues that might..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3506918) JW Jordyn W. Student Trainer > "The app will enable you to shop through brands that use Klarna, which takes care of the hassle of..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4571678) Melissa T. Deli Associate > "It takes a bit longer to load than the normal length that most people are used to" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3193117) CD Carlisbeth D. Lead deck ambassador > "It allows you to use in app but also on regular browser" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6033584) MS Madison S. Executive assistant > "Sometimes, I have had issues with returns and refunds." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3790948) HS Henrik S. QA Manager > "Fast and easy way of making payments from online sites. If a website uses Klarna, it makes me more..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4216960) Gustavo B. Director > "Notwithstanding, I found some issues to get refunds." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3506918) [View Reviews](https://www.capterra.com/p/230509/Klarna/reviews/) ## User interface [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,629) [Klarna](https://www.capterra.com/p/230509/Klarna/) 3.72 (103) ## 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 ACH Payment Processing 150 Important Activity Dashboard 120 Important PayPal Top features 28/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [See all features](https://www.capterra.com/p/207944/PayPal/#features) Klarna 13/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [See all features](https://www.capterra.com/p/230509/Klarna/#features) ### Recognition PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports Klarna is recognized as a top-rated tool in 2 Capterra Shortlist reports ### 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 Klarna 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 Klarna - By Klarna - Located in Sweden - Founded in ## Popular Comparisons [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,381)](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) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.72 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,304)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.6 4.0 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/222572-230509/Venmo--vs-Klarna) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.63 (3,034)](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) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.72 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,381)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.5 4.0 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-230509/Stripe-vs-Klarna) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,521)](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) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.72 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,711)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.6 4.0 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-230509/Square-Payments-Processing-vs-Klarna) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,068)](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) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.72 (103)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,068)](https://www.capterra.com/p/135757/NetSuite/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.2 4.0 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-230509/NetSuite-vs-Klarna) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.16 (146)](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) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.72 (103)](https://www.capterra.com/p/230509/Klarna/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 3.9 Features 4.6 4.0 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/229452-230509/Afterpay-vs-Klarna) [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Epos Now](https://www.capterra.com/p/152638/Epos-Now/)[3.77 (728)](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 (26,629)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (220)](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)