# PayPal Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is PayPal the right Payment Processing solution for you? Explore 26528 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 (26528) [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 February 15th, 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 AP Ashley P Founder, Princial ConsultantHuman Resources, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ June 24, 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 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 BZ Briana Z Art InstructorArts and Crafts, Self-employedUsed the software for: More than 2 years. “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.“ June 12, 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 ## Showing most helpful reviews Showing 1-25 of 26528 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Eric S. CEO Retail Used the software for: 2+ years ### "PayPal is the glue between websites and payments" May 31, 2026 5.0 PayPal has always been a large part of my online payment mechanism. It started when using Ebay and on Shopify. Pros PayPal makes receiving and sending money very easy and efficient. The ability to plug into an e-commerce site and start collecting payments is simple. Cons Sometimes verification is not efficient. Also support could be better when it comes to technical help. Alternatives considered [Shopify](https://www.capterra.com/p/83891/Shopify/) Reason for choosing PayPal Ease of use and also the fees were much cheaper. Review Source VR Verified Reviewer Software Engineer Information Technology and Services Used the software for: 2+ years ### "Secure, Reliable, and Easy-to-Use Online Payment Platform" July 15, 2026 5.0 Overall, PayPal has been a dependable payment solution for both personal and business transactions. It has simplified online payments, invoicing, expense management, and record keeping by providing organized transaction data and easy access to payment history. The platform is easy to use, secure, and widely accepted, making it suitable for international payments as well. Although the fees are higher than some alternatives and occasional verification or minor technical issues can occur, the reliability, security, customer support, and overall functionality make it a service I continue to use with confidence. Pros PayPal offers a secure and user-friendly payment platform that makes sending, receiving, and managing payments very convenient. The interface is intuitive, and setting up an account is straightforward. I especially like the invoicing feature, detailed transaction history, and expense tracking, which make it easier to manage personal and business finances. The platform integrates with many online stores and business tools, saving time during checkout and payment processing. Considering its security features, reliability, and global acceptance, it provides good value for money. Whenever I contacted customer support, the responses were professional and helpful, and most issues were resolved within a reasonable timeframe. Cons The biggest drawback is the transaction and currency conversion fees, which can become expensive for frequent international payments. There are also occasional account verification checks that may temporarily delay access to funds. While the platform is generally stable, I have experienced minor bugs such as delayed transaction status updates or temporary loading issues, although they were usually resolved quickly. I would also appreciate more flexible pricing options and faster resolution for complex support cases. Alternatives considered [Razorpay](https://www.capterra.com/p/179263/Razorpay/) Reason for choosing PayPal I considered Razorpay because it offers strong payment processing capabilities, especially for domestic transactions. However, I chose PayPal because of its wider global acceptance, strong reputation for secure international payments, buyer and seller protection, and straightforward setup. Its easy integration with websites and e-commerce platforms, along with reliable cross-border payment support, made it the better fit for my needs. Review Source Michelle C. CEO Civic & Social Organization Used the software for: 2+ years ### "Convenient and widely accepted, but some payment rules are confusing" July 5, 2026 3.0 Overall, PayPal has been useful for making and receiving payments online. It is a familiar platform that many people trust, and it can make transactions easier when both sides already use PayPal. My experience has mostly been positive, but there are times when the rules, fees, payment source limits, and invoice/payment details are confusing. I would still use PayPal, but I think the platform could be clearer and more user-friendly when explaining payment options and restrictions. Pros PayPal is convenient and widely accepted, which makes it useful for online payments, sending money, receiving payments, and using invoices. I like that many people and businesses already know how to use it, so it is easier than explaining a different payment method. It also gives me some flexibility with different payment sources. Cons 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. Customer support and account/payment rules are not always easy to understand, and sometimes it feels like you have to search around to figure out what is actually allowed. 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 SD Stephanie D. Owner Consumer Services Used the software for: 1-2 years ### "Paypal is a must for small businesses " June 12, 2026 4.0 I really enjoy using paypal. I love all the differeht options customers have to choose from to pay. Its helpful that you can have all your products, pricing, invoicing, billing and received payments. All in one as well as all customer information and it tracks sales automatically. Pros The simplicity of invoicing and customer tracking for a small business. The variety of payment options they provide. Direct messaging for customers from the app itself. For any issues or feedback. Cons Can create listing for your products, but they don't offer their own store front. If you're nit real tech savy. It can be rather overwhelming trying to integrate paypal as a payment option, on your website. Alternatives considered [Shopify](https://www.capterra.com/p/83891/Shopify/) Reason for choosing PayPal Shopify all though offers a store front. It didn't offer many of the all around small business options my company was needing for tracking income and expenses. Review Source DS Daniel S. Marketing manager Automotive Used the software for: 2+ years ### "Easy payment solution for anyone and everyone " June 25, 2026 5.0 My overall experience has been positive. PayPal is one of those platforms I keep using because it’s dependable, widely accepted, and simple to work with, even though the fees and occasional account issues can be annoying . For business and marketing use, it’s still a practical choice because customers know it and it helps keep checkout friction low. After nearly 18 years, I’d call it reliable and convenient, with a few long standing drawbacks that you just learn to work around. Pros PayPal has been apart of my arsenal for 18 years now and there is a reason for that. It is very simple to use and the average Joe can hop on there send and receive a payment with literally no friction. When asking for payment from clients and using PayPal as the preferred payment method most people trust it as it’s well known name. It works very well with invoicing and keeping all my transactions organized and sorted. Anytime I have had issues reaching out to PayPal customer support has been as easy as possible and normally most issues get resolved fairly quickly. Cons The fees have to be the biggest downside to using PayPal when it comes to doing volume and international payments. Account holds happen often when doing volume with these guys and it holds up cash flow which is extremely frustrating. Some parts of PayPal fee very outdated compared to other payment processing companies on the market. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) I made the switch because PayPal has been less friction Review Source AP Ashley P. Founder, Princial Consultant Human Resources Used the software for: 2+ years ### "Reliable, User-Friendly Payment Platform for Vendors and Clients" June 24, 2026 5.0 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. Its ease of use, helpful tracking features, and strong customer service make it a solid option for everyday business transactions. Pros PayPal is an easy and dependable way to pay vendors and collect payments from clients or purchasers. The transaction history is clear, detailed, and easy to export, which makes recordkeeping and financial reconciliation much simpler. I also find the shipping-tracking feature very helpful when purchases are involved. PayPal’s customer service has been consistently wonderful and responsive when assistance is needed Cons Transaction fees can add up, especially for businesses processing frequent payments or larger-dollar transactions. It would also be helpful to have more flexibility in customizing payment reports directly within the platform. Alternatives considered [Pirate Ship](https://www.capterra.com/p/172133/Pirate-Ship/) Reason for choosing PayPal Better tracking and financial reporting but Pirate Ship is usually lower cost. Review Source ET Elena T. CMO ecommerce Entertainment Used the software for: 1-2 years ### "PayPal helped increase our sales by 15%" June 10, 2026 4.0 I ended up creating a business account and integrate it with my WooCommerce because potential customers were asking if we had that payment method, because they trust it. So our sales increased by around a 15% thanks to integrating PayPal. Our commissions also increased, but I think it's worth it. It's super easy to manage your business account and send transfers, make payments etc. Pros 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. Also, their customer support is fast and proactive. They helped me a lot with some bugs and issues we had in December (high-traffic period). People trust PayPal, and it was free to set up (good value for money). Cons The only part I didn't enjoy that much was their platform commission. It's quite high compared to other payment gateways, such as Redsys or Stripe Switched from [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/) People asked me if I had PayPal as a payment method Review Source KH Kasi H. Property Manager Hospitality Used the software for: 2+ years ### "Widespread acceptance" July 11, 2026 5.0 For My boss to send me money when needed it is a no brainer! Paypal us the way to go. But for our business it is just a necessary evil. So use it for person shopping and convenience. But for the business side we like to diversify our payment options. Pros It is super easy to use. Sign up is free. And My boss and I use it for weekly grocery shopping. And it is accepted everywhere which keeps us from always getting hurt with fees. Cons The transaction fees are extremely high. So if we take it as payment we are usually hit with 2.9% fee. All kinds of hidden fees and customer service does not help in anyway. Alternatives considered [Cash App](https://www.capterra.com/p/246167/Cash-App/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[Wise](https://www.capterra.com/p/234269/Wise/) Reason for choosing PayPal My boss is so comfortable with it that it just makes it easier then starting over with a new software. Review Source Jessieah B. Ta,Behavior support specialist Education Management Used the software for: 2+ years ### "PayPal Review" June 25, 2026 4.0 positive for the most part, but as with everything we have our issues - some issues we should not be having in 2026, lets fix this for a seemless user experience Pros Ease of use. The platform is very diverse, even for me whose used it for many years. Transfers are easy, and getting money in and out of the account is fluid. Cons Sometimes it has issues with login - or if one has MFA on it. Other times the app glitches like youre a total stranger even though everything is typed in correctly. Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) cashapp shut me down - no warning, no review. 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 Maragaret L. Owner Arts and Crafts Used the software for: 2+ years ### "A Great eCommerce Business Solution" February 11, 2026 5.0 My experience with PayPal has been ongoing for over ten years. They ensure customers satisfaction as well as protect merchants. I've have never had a problem with PayPal. Pros I have used PayPal for many years, but I recently created an online store and I'm now using it with my store shopping cart for purchasing. I'm very happy with the results and it was easy to set up. Cons That it doesn't offer a large range of other payment solutions with the cart. I would also like to offer other solutions to ensure more sales from people who may not use PayPal. However it does offer most credit cards and checks. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing PayPal I trust PayPal and love their responsive customer service. 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 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 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 BZ Briana Z. Art Instructor Arts and Crafts Used the software for: 2+ years ### "Reliable for Small Businesses, but Fees Add Up Quickly" June 12, 2026 5.0 Overall, my experience with PayPal has been very positive. It has provided a reliable and professional way to accept payments, send invoices, and manage transactions for my business. The platform is intuitive, widely recognized, and trusted by customers, which helps increase buyer confidence and makes the payment process smoother. While there is room for improvement in areas such as transaction costs, occasional technical issues, and expanded marketing tools, PayPal has remained a valuable part of my business operations. I would recommend it to other small business owners looking for a convenient and established payment processing solution. Pros PayPal is easy to use and widely recognized by customers, which makes collecting payments simple and convenient. I appreciate that many customers already have PayPal accounts and feel comfortable using the platform. Creating invoices is straightforward, and funds are generally available quickly, especially if you have the PayPal debit card linked to your account. The integration with online platforms and the ability to accept multiple payment methods have been helpful for running my small business. Cons The transaction fees can become expensive, especially for small businesses with tight profit margins. Customer service experiences have been inconsistent, and resolving account issues can sometimes take longer than expected. I also found that products like PayPal Working Capital, while convenient, can become costly due to the fixed fees and automatic repayment structure, which may put pressure on cash flow during slower business periods. 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. I wish the PayPal Credit line had an actual card attached to it- not all merchants can take PayPal Credit online. Review Source EA Estrella A. Software Engineer Computer Software Used the software for: 2+ years ### "Paypal is Reliable for Shopping, but Poor Support" July 5, 2026 5.0 For over 10 years, it’s been my go-to for personal shopping. While it lacks project management features, it's easy to use and great value for money. Pros It makes online shopping incredibly fast and secure. I love not having to type my card details every time I buy something. Cons Their customer support chat is often unhelpful, and resolving account bugs or payment issues feels impossible with their automated messaging. Review Source ML Murphy L. Head of Marketing Administration Consumer Goods Used the software for: 1-2 years ### "Trusted, secure, and globally accepted—PayPal makes online payments simple" April 2, 2026 5.0 My overall experience with PayPal has been positive. It’s a reliable platform for both personal and business transactions, offering peace of mind with its security and global acceptance. While fees and occasional support delays are drawbacks, the convenience and trustworthiness outweigh the negatives. For small businesses and individuals, PayPal remains one of the most dependable online payment solutions. Pros \- PayPal is a free platform that allows users to send and receive money across the globe - Easy integration with e-commerce platforms - Secure and trusted brand with decades of credibility - Mobile app is convenient and user-friendly Cons \- Transaction fees are relatively higher for merchants - Customer support can be slow to resolve complex issues - Account holds and verification processes can disrupt business cash flow - Limited customization for advanced business needs - Refunds are reliably processed but sometimes can take way longer than expected depending on bank and cards - Occasional bugs cause delays when generating invoices, which can be frustrating. Review Source BB Bruno B. Creative Apparel & Fashion Used the software for: Less than 6 months ### "Paypal review " March 20, 2026 5.0 PayPal is widely considered a "must-have" for online shoppers and small businesses looking for an easy, trusted way to handle payments, but it is less competitive for users who prioritize low transaction fees and fast, human-centered customer support. Pros Security and Privacy: Users appreciate not having to share their bank or card details directly with merchants. The Purchase Protection program adds confidence, ensuring money can be recovered if a purchase goes wrong. Ease of Use: The interface is frequently described as user-friendly and simple, making it easy to send and receive money with only an email or phone number. Convenient Shopping and Payments: It is widely accepted by millions of merchants worldwide. The "one-click" checkout makes online shopping fast. Flexibility (Pay Later options): Users enjoy the "Pay in 4" option, which allows them to split purchases into four installments. Centralized Wallet: Many like having different payment methods, such as bank accounts and credit cards, managed under a single, centralized account. Fast Transfers: Transactions between PayPal accounts are usually instant, and it is a reliable tool for freelancers and small businesses. Cons High Fees: Transaction fees, particularly for international payments and currency conversion, are considered high compared to competitors. Unexpected Account Holds: PayPal’s automated security systems can freeze funds or place temporary holds on accounts, which can disrupt cash flow for small businesses. Customer Service Issues: Users sometimes experience slow resolution times for complex issues or disputes. Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited. Risks and Frauds: High exposure to fraud and phishing attempts can lead to security concerns. Review Source Junaid Tharupeedikayil S. Head of Business and Administration Consumer Goods Used the software for: 1-2 years ### "Efficiant online payment system for business" May 9, 2026 4.0 Overall experience with PayPal has been positive. It is a reliable and secure platform for handling both personal and business transactions. The interface is easy to use, and payments are processed quickly. Pros Easy international and local payments. Strong protection of buyer and seller transactions. Support multiple currencies for global business. Convenient integration with e-commerce platforms.Quick payment notification and tracking Cons High currency conversion fees. Customer support response time should be improved. The withdrawal process takes longer in some regions. Exchange rates are sometimes less competitive than those of the banks. Holding large payments affects the cash flow for the business. Review Source Rebecca K. Entrepreneur Cosmetics Used the software for: 2+ years ### "Use Paypal" May 7, 2026 5.0 My overall experience with paypal is positive! I mostly use it to transfer money, or pay someone and I never have any problems. Pros Paypal is super easy for me to use not only for a consumer but also from a business stand point. The layout of transitions is super easy to understand and helps me with data management. Invoicing that paypal provides is super easy to use as well. Its just a great tool no matter how you use it. Cons There really isnt anything I dislike about paypal. It's very user friendly for me, and makes sending and receiving payments easy. Review Source Robert L. owner Transportation/Trucking/Railroad Used the software for: 2+ years ### "Convenient and Trusted, But Not Without Frustrations" May 2, 2026 5.0 Overall, my experience with PayPal has been convenient and easy to use. It is familiar to customers, helps make payments feel secure, and works well for quick online transactions. That said, the fees, occasional fund holds, and delays with support can be frustrating, especially for a business that needs reliable access to payments. So overall, it is useful and trusted, but not always the smoothest option from a business standpoint. Pros I liked that PayPal made payments quick, familiar, and easy for customers. It gave people a payment option they already trusted, which helped make checkout feel smoother and more secure. Cons What I liked least about PayPal was the fees and the occasional holds or delays on funds. It can be convenient, but when payments are held or customer support is slow to resolve an issue, it becomes frustrating for a business that needs quick access to its money. Review Source VJ Victoria J. Small Business Owner Design Used the software for: 2+ years ### "A Simple and Reliable Way to Manage Online Payments" November 17, 2025 5.0 Overall, my experience with PayPal has been positive. It’s reliable, quick, and makes everyday transactions simple. The ease of use is a big reason I keep using it, and it saves a lot of time compared to traditional payment methods. Invoicing is straightforward, and even though it lacks deeper customization, it gets the job done. I’ve had a few issues with support and occasional bugs, but nothing that made me stop using it. For managing payments, subscriptions, and personal expenses in one place, PayPal has been a convenient and dependable option. Pros What I like most about PayPal is how easy it is to use. Sending money, paying for online purchases, and creating invoices only takes a few minutes. The layout is simple, and everything is organized well, so I rarely get confused about where to find things. For the most part, I feel that the value for money is fair because the convenience makes up for the occasional fees. I also appreciate that PayPal connects smoothly with a lot of websites and apps, which makes managing expenses and purchases a lot easier. Cons The biggest downside is the fees, especially when receiving business payments or handling currency conversions. Customer support can be slow, and sometimes it takes multiple attempts to get an answer. I’ve also run into small bugs here and there, like delayed notifications or the app freezing. Invoicing works well but could use more customization options, especially for branding. Expense management is basic, and I still end up tracking certain things manually. Also, when PayPal places holds on funds, it can be inconvenient if you rely on quick access to money. Review Source Terynne I. Personal Trainer Consumer Services Used the software for: 2+ years ### "Reliable and Familiar, but Not Without Frustrations" January 23, 2026 3.0 Overall, PayPal is a solid and reliable platform, but not my favorite. I continue to use it mainly because customers are comfortable with it and recognize the brand. While it’s convenient and familiar, there are better, more flexible, and more cost-effective options available for businesses. Pros PayPal is very well known and most customers already trust it, which makes checkout feel easy and familiar for them. It’s fairly simple to use on both the business and customer side, and that comfort level definitely helps reduce friction when people are paying. Cons I really don’t like that PayPal can hold your funds with little warning. As a business owner, that lack of control over your own money is frustrating. The fees are also higher compared to competitors like Stripe, and the inability to fully turn off shipping options adds unnecessary limitations for service-based businesses. 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 Similar Products Featured ## 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.