# PayPal Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is PayPal the right Payment Processing solution for you? Explore 26440 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/207944/PayPal/reviews --- PayPal 4.6 (26440) [View alternatives](https://www.capterra.com/p/207944/PayPal/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of PayPal Ease of use 4.6 Customer Service 4.2 ## Pros and Cons in Reviews Melanie M CoachConsumer Services, Self-employedUsed the software for: More than 2 years. “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 messaging system feels a bit dated but, thankfully, I usually hear back same day.“ April 11, 2026 Joe H Founder and PrincipalHospitality, Self-employedUsed the software for: More than 2 years. “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 financial institution… when in reality, PayPal is the culprit.“ May 6, 2026 EB Emma B Financial ControllerNon-Profit Organization Management, 51 - 200 employeesUsed the software for: More than 2 years. “We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts.“ January 25, 2026 NAGESH B Sr Transaction Processing OfficerInformation Technology and Services, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “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.“ February 3, 2026 JE JoBeth E CEODesign, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ April 12, 2026 Deepeshkumar G Techno Functional ConsultantInformation Technology and Services, 10,001+ employeesUsed the software for: More than 2 years. “QR scanning facility is not available in my region and the international money transfer takes 24 hours hold in paypal account.“ May 11, 2026 Yuriy Y OwnerLogistics and Supply Chain, Self-employedUsed the software for: More than 2 years. “It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions.“ January 2, 2026 Abhijeet M Software EngineerComputer Software, 10,001+ employeesUsed the software for: 1-2 years. “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 inconvenience for users who depend on fast and smooth financial transactions.“ May 8, 2026 ## Showing most helpful reviews Showing 1-25 of 26440 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Sachin K. Operations Manager Information Technology and Services Used the software for: 1-2 years ### "Reliable and Convenient for Online Payments" May 11, 2026 5.0 Overall, PayPal has been a dependable and widely accepted payment solution for both personal and business use. It simplifies sending and receiving money across different countries and platforms while reducing friction in online transactions. The ease of setup, broad integration support, and trusted reputation make it a practical option for freelancers, e-commerce businesses, and everyday users. While fees and occasional account review delays are drawbacks, the convenience and accessibility generally outweigh those issues for regular online payment needs. Pros PayPal makes online payments fast and convenient, especially for international transactions and freelance payments. The platform is easy to use, integrates well with many websites and e-commerce platforms, and offers strong buyer protection that increases trust during transactions. I also like how quickly invoices and payment requests can be created, which helps streamline small business operations. The mobile app is reliable and makes it easy to monitor transactions on the go. Cons Transaction and currency conversion fees can become expensive, especially for international payments or high transaction volumes. Account limitations or security reviews can sometimes happen unexpectedly, and resolving those issues through customer support may take longer than expected. The interface is generally simple, but some advanced settings and dispute processes could be more transparent and easier to navigate. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) We switched to PayPal because it was easier for customers to use, widely trusted, and simpler to integrate across different payment workflows. It also improved international payment support and gave us a more familiar checkout experience for clients. Review Source Jennifer H. Manager Media Production Used the software for: 2+ years ### "Paypal pros and cons" May 1, 2026 4.0 My overall experience with PayPal has been positive due to its ease of use, speed, and wide customer acceptance, which make getting paid simple and efficient. However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks. Pros The platform makes it very straightforward to send and receive payments without needing detailed banking information, just an email address. That simplicity lowers friction for both businesses and customers, especially for invoicing or quick payments. Cons The user interface can be frustrating at times. Features and layouts change, and finding specific reports or transaction details is not always intuitive. Alternatives considered [WooCommerce](https://www.capterra.com/p/225601/WooCommerce/) Reason for choosing PayPal It allows me to start accepting payments immediately without complex configuration, and most customers are already familiar with it, which reduces hesitation and speeds up payment. Review Source NC Nikki C. permit technician Construction Used the software for: 2+ years ### "Reliable Payment System!" April 27, 2026 5.0 Overall, my experience with PayPal has been positive. It’s a reliable and widely accepted way to send and receive payments, and it makes transactions quick and convenient. While fees and occasional account holds can be frustrating, it’s still a dependable tool for managing online payments. Pros What I like most about PayPal is how easy it is to send and receive payments quickly. It’s widely accepted, secure, and makes online transactions simple without needing to share banking details. It’s also convenient for tracking payments and managing transactions in one place. Cons The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow. Customer support can also be slow or difficult to reach when issues come up. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[Venmo](https://www.capterra.com/p/222572/Venmo-/) Reason for choosing PayPal I chose PayPal because it’s widely trusted, easy to set up, and accepted almost everywhere. It also offers a simple all-in-one system for sending, receiving, and invoicing payments without needing much technical setup compared to alternatives like Stripe or Square. Review Source VR Verified Reviewer Founder Apparel & Fashion Used the software for: 1-2 years ### "Useful payment option, but frustrating merchant restrictions" May 20, 2026 3.0 PayPal is useful as a customer payment option, but the business-side experience was mixed. 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. It created unnecessary cash flow problems and added stress to operations. I still see value in offering PayPal because customers recognize and trust it, but I am not a fan of how difficult and restrictive it can be for merchants. Pros PayPal is valuable because it gives customers another trusted payment option at checkout. Some buyers prefer PayPal over entering a credit card directly, so having it available can help reduce friction and potentially improve conversions. Once active, it was useful as an additional payment method for our ecommerce store. Cons The onboarding and account limitations were frustrating. Even though our business was already established and generating consistent revenue, PayPal held funds for a long time and imposed odd limits while we had to prove we were legitimate. That tied up thousands of dollars in working capital, which is a real problem for a small business trying to manage inventory, shipping, and operating expenses. Review Source VR Verified Reviewer Operations coordinator Retail Used the software for: 2+ years ### "Industry Standard for Invoicing and Global Accessibility" February 23, 2026 4.0 My overall experience with PayPal has been consistent. It is the most reliable way to handle international transactions and guest checkouts, which is why I continue to use it despite the high fees. It provides a level of security that makes me comfortable, even if the administrative side of the platform feels outdated and automated Pros PayPal excels at Expense Management because of its near universal acceptance. I find the Invoicing tools to be logically structured, making it simple to request payments from clients without needing a separate accounting suite. The ease of use for the app is high, super user friendly and the real time notifications provide excellent visibility into my cash flow. It is a reliable backbone for both professional and personal transactions. Cons The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems. 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. The fee structure for receiving international payments can be kinda steep compared to emerging competitors too Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing PayPal I chose PayPal because of its superior global brand recognition. While Stripe has a better API, PayPal is the most trusted name for guest checkouts, which reduces cart abandonment for my clients Review Source CC Caleb C. Sales Consumer Goods Used the software for: 2+ years ### "PayPal pal" April 24, 2026 4.0 I can say it is overall pretty great. It offers better interest rates than brick and mortar banks so I try to keep cash in it. Pros I like that the transactions are encrypted, and sensitive banking details are not shared with merchants. Cons That the 5% cash back does not apply to multiple different consumer purchase groups and I have to activate it every month. Alternatives considered [Credit Karma](https://www.capterra.com/p/253450/Credit-Karma/)[Cash App](https://www.capterra.com/p/246167/Cash-App/)[Venmo](https://www.capterra.com/p/222572/Venmo-/) Reason for choosing PayPal It feels like a professional payment platform, not just a money-sharing app. Review Source LD Leo D. Embedded software engineer Warehousing Used the software for: 2+ years ### "Like Banking, But Make It Suspenseful" March 31, 2026 5.0 A rollercoaster—except the only drop is my balance disappearing temporarily. Like a situationship with my money: complicated, unpredictable, and full of mixed signals. Pros I love how easy it is to send money… and how creatively difficult it is to get it back. Their emails keep me entertained—‘You have access to your money!’ (terms and conditions may emotionally apply) Cons The thrill of random account limitations—really keeps life unpredictable.” Customer support that feels like a long-distance relationship… mostly one-sided. Switched from [Klarna](https://www.capterra.com/p/230509/Klarna/) Because I like my money actually leaving my account instead of just living in limbo. PayPal: for when you want your funds to travel faster than a snail on vacation. Switched to PayPal because Klarna’s suspenseful ‘Will I pay today or next month?’ game was getting old.” Review Source VR Verified Reviewer Admin Accounting Used the software for: 1-2 years ### "Easy and Fast way to send and receive money" April 3, 2026 5.0 Overall, my experience with PayPal has been positive. It’s a reliable and convenient way to handle online payments, with a user-friendly interface and strong sense of security. While there are occasional downsides like fees or slower support, it generally works well and makes transactions simple and efficient. Pros What I liked most about PayPal is how easy and fast it is to send and receive money. The interface is simple, transactions feel secure, and it’s widely accepted, which makes online payments really convenient. Cons One downside of PayPal is that the fees can be a bit high at times, especially for certain transactions. Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) Yes, I switched from another payment platform to PayPal mainly for its convenience and wide acceptance. It made managing transactions much easier and more streamlined for me. Review Source VR Verified Reviewer Web Developer Marketing and Advertising Used the software for: 2+ years ### "PayPal review for frequent online buyers" April 28, 2026 3.0 Pros It's a best way to make purchases from websites you doubt would steal your bank or card information. Cons Sometimes the login functionality doesn't work properly when you are redirected to the app while purchasing something online. Switched from [Apple Pay](https://www.capterra.com/p/212840/Apple-Pay/) Because I noticed paypal was more international Review Source SK Sheniga K. Senior consultant Education Management Used the software for: 1-2 years ### "A convenient and widely trusted platform for digital payments" May 20, 2026 3.0 Overall, PayPal provides a dependable and practical solution for sending and receiving payments. It is easy to use, widely trusted, and integrates well into everyday financial activities. While there are cost considerations and occasional usability challenges, it remains a convenient option for digital payments. Pros PayPal is quick to set up and widely accepted, which makes it very convenient for both personal and business transactions. Payments are processed efficiently, and the platform offers useful features such as invoicing, transaction tracking, and buyer/seller protection. It is particularly helpful for managing international payments without needing complex banking processes. Cons Transaction fees can be relatively high, especially for frequent or international usage. In some cases, account limitations or verification checks can interrupt transactions and require additional steps to resolve. The interface can also feel slightly fragmented across different features. Alternatives considered [Paytm m'Loyal](https://www.capterra.com/p/10004148/Paytm-mLoyal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing PayPal Good UI was the main reason compared to other platforms Review Source SF Sergi F. Freelance Business Supplies and Equipment Used the software for: 2+ years ### "The standard for getting paid quickly even if the fees sting." January 24, 2026 4.0 I’ve used PayPal for my freelance business for years, primarily because it removes friction for my clients. When I send a PayPal invoice, I know my client can pay it in two clicks, which means I get paid faster. That convenience is the main reason I stick with it. The platform is incredibly reliable.I’ve never lost money and transfers to my bank are usually instant now. However, the trade-off is the cost. Between the transaction fees and the currency conversion rates (international clients), you end up losing a significant chunk of your earnings. It’s a solid tool that I rely on daily. Pros Client Trust & Speed. Everyone knows PayPal. Clients never hesitate to pay via PayPal. Invoicing is surprisingly good! For a freelancer, the built-in invoicing tool is actually great. I can save client details, generate a PDF, or just send a direct link in seconds. It looks professional enough without needing extra accounting software. Cons The Fees. This is the big one. If you invoice $1,000, seeing $30-$40 vanish immediately hurts. If the client pays in a different currency, the exchange rates PayPal offers are usually quite poor compared to market rates. Customer Support. It is incredibly difficult to reach a human if something goes wrong. You often get stuck in loops with automated bots. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/)[Wise](https://www.capterra.com/p/234269/Wise/) Reason for choosing PayPal While Stripe has slightly better fees, it requires more technical setup or a separate third-party invoicing tool. PayPal is an all-in-one solution. Switched from [Wire](https://www.capterra.com/p/170279/Wire/) Chasing clients for wire transfers was a nightmare. It required them to go to their bank, which delayed my payments. Review Source NAGESH B. Sr Transaction Processing Officer Information Technology and Services Used the software for: 2+ years ### "PayPal: The Web’s Most Reliable Safety Net" February 3, 2026 5.0 There’s an undeniable psychological comfort in knowing that if a random online store scams you, you can simply "open a case." For most, this makes PayPal the "default" for any site they don't 100% trust. Pros 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. This is a massive relief when shopping on smaller or less familiar websites where you might otherwise be hesitant to enter your card info. Cons This is arguably the biggest complaint. 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. For small businesses or freelancers, this can be devastating for cash flow. Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) These apps are great for splitting a pizza, but they are often restricted to one country (e.g., Venmo is US-only). They also lack robust Buyer Protection; if you pay a stranger on Venmo and they block you, your money is usually gone. Review Source Absana P. Tier III Technician Information Technology and Services Used the software for: 2+ years ### "Reliable and Convenient for Majority of Tasks" December 20, 2025 5.0 Overall, my experience with PayPal has been positive, it's a dependable platform for online payments, invoicing and sending/receiving money. Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an added level of security that not a lot of other plat forms can provide. Pros I love the added safety of PayPal, as someone that makes quite a bit of online purchases on all sorts of sites, I always use PayPal, since the seller will never see my card or bank details. I've had a lot of peers that have gotten random charges on their cards, and this has never happened to me. Furthermore, PayPal also offered buyer protection and their customer support is great at responding if there was any issues with your purchases. It's also very fast & convenient, you can just pay with an email and password and no need to repeatedly enter card information. Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay. Cons There are very few drawback to PayPal, however, the fees can add up, especially for international transactions. They have a 5% fee and sometimes a currency conversion fee, so I found other platforms like my bank, the Bank of America, to do this conversions for more less. Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) Direct online payments while still being able to transfer money to and from users. Review Source KR Kyle R. Trainer Health, Wellness and Fitness Used the software for: 6-12 months ### "Solid Invoicing with a Couple of Minor Hiccups" February 23, 2026 4.0 Overall, my experience has been very positive. It removes the friction from getting paid. For a freelancer or small business owner, the peace of mind knowing that I will get paid on time (or at least have PayPal automatically remind the client) is worth its weight in gold. I deducted one star purely because of the fees and the slightly outdated interface on the web, but for reliability and ease of use, it’s a solid tool. Pros What I appreciate most is the sheer convenience and speed. Creating and sending a professional-looking invoice takes less than two minutes, even from the mobile app. 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. The money is usually available in my account instantly, which is a huge plus for cash flow. Cons The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on larger transactions. Also, while the mobile app is great for creating invoices, the reporting features on the desktop site feel a bit dated and clunky when you need to dig into your quarterly earnings. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) I switched due to looking for a better user experience. Review Source Abdelrahman A. Associate Software Developer Financial Services Used the software for: 2+ years ### "The Most Accessible Payment Gateway for E-commerce and Freelancing" March 2, 2026 4.0 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. It saves me the immense hassle of building and securing complex payment infrastructures from scratch, allowing me to focus on business growth and development. Pros Integrating PayPal's API into custom backend solutions is straightforward and well-documented. It is incredibly reliable for receiving payments from international freelance clients and managing daily transactions for online e-commerce setups. The universally recognized checkout process is seamless, which builds trust with customers and helps reduce cart abandonment. Cons The transaction fees can be quite high, especially when factoring in cross-border fees and currency conversion rates for international transfers. Additionally, their automated security system can sometimes place unexpected, temporary holds on funds, which can temporarily disrupt cash flow for small businesses. Review Source VR Verified Reviewer Software Engineer Information Technology and Services Used the software for: 2+ years ### "Simple and Convenient for Everyday Payments" May 2, 2026 5.0 Pros What stands out most for personal use is how simple PayPal makes everyday payments. Sending money to friends or family takes only a few steps, and there is no need to deal with bank details each time. It feels quick and convenient, especially for small day to day transactions. From a value for money perspective, it is useful because basic personal transfers usually do not feel complicated or expensive. It works well for splitting bills, paying for online purchases, or receiving money without any extra effort. Ease of use is probably the strongest part. The app is straightforward, and everything is placed where it is easy to find. Even without much experience, it is easy to understand how to send money, check history, or manage settings. For invoicing, it is handy when requesting money from someone. It gives a clean and simple way to send a payment request, which is useful for informal work or shared expenses. Customer support is available when needed, though most personal users may not need it often. When issues come up, there are clear help options inside the app. Expense and data management is helpful for tracking personal spending. It is easy to look back at past payments, which makes it simple to keep an eye on where money is going or to settle shared costs later. Cons What I like least is mainly the fees. Even small transfers can sometimes come with charges, especially if currency conversion is involved or if it is not a straightforward bank funded payment. It can feel a bit frustrating when a simple transaction ends up costing more than expected. Another downside is that account limitations can happen without much warning. In some cases, access to funds or certain features may get restricted temporarily, and the verification process can take time to resolve. Review Source TH Tuan H. Mechanic technician Mechanical or Industrial Engineering Used the software for: 1-2 years ### "PayPal user" March 5, 2026 5.0 So far, I am very happy with the product, and I intend to continue to using PayPal as long as I am alive. Pros Using Pay pal is the best way to protect one money. No fee, no surcharge for using Paypal. Whether purchasing online or send money to someone, Paypal can ensure your money reaches intended recipient. Instant notification from PayPal to let me know where my dollars went or receive by whom. On top of that, every month, I get monthly statements from PayPal for book keeping purposes, which is the best way to manage, auditing my money, and to avoid overspending over charging or over drafting by vendors. PayPal customer support is top of the lines, and they are very helpful, knowledgeable people to help resolve any issues I may have. Fraudsters and scammers are everywhere where, one can easily become victim for a lifetime before he even realizes it. That is why I am using Paypal. Cons PayPal is a well rounded developed, so far , I don’t have any issues. But if I do, most time I found out after the hard way before I didn’t read throughly and used PayPal correctly as I should. Review Source JE JoBeth E. CEO Design Used the software for: 2+ years ### "Easy to use!" April 12, 2026 5.0 It has been a reliable and convenient platform for managing payments, whether for personal use or professional transactions. I appreciate how easy it is to send and receive money, as well as the added layer of security when making purchases online. The platform is widely accepted, which makes it a go-to option in many situations. Pros What I appreciate most about PayPal is the convenience and ease of use. 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. The buyer protection and widespread acceptance also make it a reliable option for both personal and professional use. Cons What I like least about PayPal is the fee structure and occasional account limitations. Transaction fees, especially for instant transfers or business-related payments, can add up. Additionally, when issues arise, such as holds or disputes, the resolution process can sometimes feel slow or lack clear communication Review Source JS Jocelyn S. Veterinary Nurse and Client Care Representative Veterinary Used the software for: 2+ years ### "Paypal; Protected Purchases, Peaceful Payment." January 21, 2026 5.0 Overall I have had a great experience with Paypal. I haven't needed to utilise any invoicing or expense management components yet; however I may look into this further if I end up selling for of my art work. The one thing I would love to add is, it's been great to see Paypal adapt and change over the years. I only recently realised they now offer a fundraiser option! And they provide their own pay in four repayment plans; which I am far more likely to utilise than any of the other pay in 4 plans that are on offer out there as it's already on a platform I love and am familiar with. 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. Pros I use Paypal for almost all my online purchases. I originally started using Paypal for the security, knowing that my credit card details were safe. 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 merchant; reaching out to Paypal for assistance is so straight forward and simple. I have never had a problem that couldn't be resolved by them. I think overall the fee I pay as a seller is pretty reasonable for the protection I get! And even better as a buyer I don't pay any fees for the security Paypal brings me. Cons The only flaw I can think of is that on mobile the website can be a bit challenging to navigate to my sharable personal profile page; I always forget where it is located. Personal Profile page, doesn't seem like the best name for it. I would prefer it to be called something more akin to what it is, I.e My Pay Me Page. It would also be great if the Personal profile page didn't have to show your full name. Just for my own personal preferences! Review Source Rosanne R. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "PayPal is a True Friend to You, and Your Finances! " December 5, 2025 5.0 I have been using PayPal for well over 15 years! They have been reliable and a great way to both spend online and to invoice my customer for small services. It is very easy to use and the dashboard is clear. Which makes expense management, especially at tax time far less stressful as I can print or import my transactions into my tax program. Pros PayPal seamlessly makes it easy to make online payments. There is also a way to receive payments through PayPal. It's a great option for both individuals and your business. My experience throughout the years is that it has been reliable and you can tailor how you use it to your individual needs. Cons While for the most part, I do not need to speak with customer service, when I do for PayPal, it can take a bit of time. First to speak with someone there are a few layers to go through such as sending a message, email, filling out a form, etc. But when you do speak with someone they have always been very helpful. Review Source VR Verified Reviewer CEO International Trade and Development Used the software for: 2+ years ### "Reliable and Convenient Payment Solution with Room for Improvement" April 21, 2026 5.0 Overall, my experience with PayPal has been positive. It provides a convenient and reliable way to send and receive payments globally, which is especially valuable for international business. While there are some drawbacks, such as fees and occasional delays in support, the platform’s ease of use, broad acceptance, and security features make it a dependable solution for everyday transactions. Pros PayPal is extremely easy to use and widely accepted, making transactions seamless across different countries and currencies. I especially value its strong security features and buyer/seller protection, which create a high level of trust when doing business online. The platform also integrates well with various tools and websites, making it a reliable solution for both personal and professional payments. Cons Transaction fees can be relatively high, especially for international payments and currency conversions. In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating. Additionally, customer support can be slow to respond when dealing with more complex issues. Review Source LG Lynsey G. RN and Advocate Non-Profit Organization Management Used the software for: 2+ years ### "Reliable, Easy, and Secure for Everyday Payments" March 21, 2026 5.0 Overall, my experience with PayPal has been very positive. It’s a reliable and convenient platform that I use regularly for both personal and professional transactions. The combination of ease, security, and accessibility makes it a go-to payment option for me. It’s been especially helpful for managing payments quickly without needing cash or checks. Pros PayPal is incredibly easy to use and makes sending and receiving money seamless. I love how widely accepted it is, whether I’m shopping online or paying someone directly. The added layer of security gives me peace of mind, especially when making purchases from new or unfamiliar sites. Transfers are quick, and the mobile app is very user-friendly. Cons The fees can be a little confusing at times, especially for business transactions or international payments. Occasionally, transfers to a bank account can take longer than expected unless you choose the instant option with a fee. Review Source Francesco P. CEO Arts and Crafts Used the software for: 1-2 years ### "While being the most solid payment option, it's downsides are a big letdown." January 2, 2026 3.0 Overall It was a little bit too daunting. The approval process and integration process are way too overcomplicated. They were built with a programmer in mind, not a vendor. Switched to Stripe Pros It's the most trustable brand out there. This is very important for clients. Where they see PayPal they know they are safe Cons But the problems are more on the side of the sellers. It is very long and tedious to get accepted. And even if you get in, it just gets 15 dollars to be checked again for documents. Be aware of that as you need to be an entity to be able to receive money from payments. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing PayPal I did not, I've actually switched to Stripe Review Source Harrison K. Owner Consumer Goods Used the software for: 2+ years ### "Small Business Owner 4 Year Experience" January 12, 2026 5.0 As a small business owner Paypal has been the easiest software to use for invoicing and tracking transactions. Pros The instant transfers, the low fees and the ability to move money around to different account is amazing but being able to invoice customers directly from the software is invaluable. Cons Sometimes customer support is slow to resolve disputes but as long as you have evidence it will work out. Review Source KK Kate K. HR Manager Education Management Used the software for: 2+ years ### "Reliable, Easy-to-Use Payment Platform with Broad Acceptance" March 20, 2026 5.0 Overall, my experience with PayPal has been very positive. It’s a dependable and widely accepted platform that makes sending and receiving payments quick and straightforward. The ease of use, combined with strong security features, provides a level of confidence when handling both personal and business transactions. It’s especially convenient for managing payments across different vendors and platforms without needing complex setup. The ability to integrate with various tools and e-commerce systems adds to its value, and the mobile app makes it easy to stay on top of transactions in real time. While fees and occasional account limitations can be a drawback, the overall convenience, reliability, and accessibility of PayPal make it a practical and effective solution for everyday payment needs. Pros Easy to use platform with a simple and intuitive interface Fast and reliable payment processing for both personal and business transactions Widely accepted, making it convenient for a variety of vendors and customers Strong security features and buyer/seller protection policies Seamless integration with e-commerce platforms and other financial tools Ability to send and receive payments globally with minimal friction Mobile app provides flexibility to manage transactions on the go Helpful transaction tracking and history for recordkeeping Cons Transaction fees can be relatively high, especially for business use Account holds or freezes can occur and may take time to resolve Customer support can be inconsistent or difficult to reach for complex issues Dispute resolution process can be lengthy and sometimes favors buyers over sellers Review Source Similar Products Featured ## Related categories [Payment Processing](https://www.capterra.com/payment-processing-software/)[Financial Services](https://www.capterra.com/financial-services-software/)[Food Truck POS Systems](https://www.capterra.com/food-truck-pos-systems-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.