--- title: "PayPal Payments Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about PayPal Payments Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/207944/PayPal/" page_type: "product" language: "en" publication_date: "2026-11-08" --- # PayPal Payments Software Review 2026: Features, Integrations, Pros & Cons Last updated on November 8, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) PayPal Payments ## What is PayPal Payments? With a simple, single integration you can accept debit and credit cards, PayPal, PayPal Credit, 10+ local payment methods in over 100 currencies and from 200+ markets around the world. ## What is PayPal Payments used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Shopping Cart](https://www.capterra.com/shopping-cart-software/) Recognitions Shortlist Top alternative Featured Overall rating Based on 26,825 user reviews Reviews sentiment Positive 94% Neutral 4% Negative 2% Pros & cons Intuitive and accessible interface Secure online payment experience High and confusing fee structure Inconsistent fraud resolution process Starting price $0.09 Per User, Per Month Free trial not available Includes Free Version Capterra Shortlist charts the highest-rated and most popular products... - Payment Processing / 2025 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for PayPal Payments?[Manage this product listing](https://www.g2.com/products/paypal/claim_requests/new?auto=true) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### PayPal Payments 4.6 (26,830) VS. [4.6 (3,392)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price $0.09 Other Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (26,808) Ease Of Use 4.5 (3,381) Value For Money 4.5 (20,625) Value For Money 4.3 (2,581) Customer Service 4.2 (20,883) Customer Service 4.2 (2,329) ## PayPal Payments alternatives [4.2 (2,086)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (149)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 80% of reviewers rated it above 4 stars [3.8 (733)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 68% of reviewers rated it above 4 stars [4.2 (1,341)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/207944/PayPal/alternatives/) ## FAQs about PayPal Payments Overview ### What problems does PayPal solve? PayPal solves payment friction for online shoppers, freelancers, sellers, and small businesses by enabling checkout without repeatedly sharing card details, sending and receiving money, and processing international payments. It also supports invoicing, payment requests, transaction records, and buyer and seller dispute workflows, helping teams track cash flow and collect client payments. Answer based on 22533 reviews Overview ### Which roles and teams benefit most from PayPal? PayPal is most used by business owners, founders, and executives who accept customer payments, pay vendors, and manage cash flow. Freelancers, consultants, designers, and photographers use it to invoice clients and receive project fees. Office managers, accountants, and sales teams track transactions, process reimbursements, and support day-to-day payment administration. Answer based on 26597 reviews Overview ### What company size and industries is PayPal built for? PayPal is built primarily for small businesses, which represent 74% of reviewers, and serves Education Management, Information Technology and Services, and Marketing and Advertising, each at 5%. It also supports eCommerce platforms, marketplaces, enterprises, and developers; enterprise users account for 15% and midsize businesses for 11% of reviewers. Answer based on 26693 reviews Features and Usability ### What are the key features of PayPal? PayPal includes online payments and payment processing for sending, receiving, and accepting digital transactions. Its most-discussed features also include data security, payment fraud prevention, mobile payments, and debit/credit card processing. Online invoicing supports payment requests and invoice settlement. PayPal also covers PCI Compliance and Compliance Management. Answer based on 2934 reviews Integrations ### Which third-party tools and platforms does PayPal integrate with? PayPal integrates with more than 40 third-party tools and platforms, including Venmo, Shopify, WooCommerce, WordPress, QuickBooks Online, Cash App, Google Pay, and BigCommerce. These connections support payment acceptance, ecommerce checkout, accounting workflows, digital wallets, and online forms across merchant websites and business operations. Answer based on 3060 reviews Getting Started and Support ### How easy is it to onboard and train a team on PayPal? PayPal is generally easy to onboard for staff handling routine payments, invoices, refunds, and transfers. Documentation and video tutorials support setup and common tasks. Reviewers report that nontechnical users and occasional payment staff learn quickly with minimal training, while developers and business administrators may need more time for integrations, API setup, custom features, and account configuration. Answer based on 105 reviews Getting Started and Support ### What customer support options does PayPal offer, and how do users rate the experience? PayPal offers email/help desk, FAQ/forum, knowledge base, phone support, and chat. Users report helpful, professional representatives and quick resolutions for many routine issues. However, experiences vary: some cite slow replies, long waits, automated interactions, and difficulty reaching a human agent, particularly for account limitations or disputes. Answer based on 4349 reviews Security ### How does PayPal handle data security and access control? PayPal uses encryption, two-factor authentication, passwords, fingerprint login, security questions, and device recognition to protect account access and transaction data. It lets buyers avoid sharing card or bank details directly with merchants and provides buyer protection, dispute processes, alerts, and transaction records. Reviewers also report fraud, account limits, repeated verification, and unclear resolution outcomes. Answer based on 2519 reviews Payments ### How well does PayPal handle online payments? PayPal handles online payments reliably for individuals, freelancers, and small businesses through payment links, invoices, digital wallet checkout, and international transfers. Users value its familiar interface, transaction tracking, and broad merchant acceptance, while fees, occasional account reviews, and transfer delays can affect cash flow. Answer based on 14208 reviews ## Who uses PayPal Payments? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Intuitive and accessible interface 95% positive reviews out of 6184 Most reviewers find ease of use important, appreciating PayPal’s simple navigation and quick setup for various needs. Michael R. Digital marketer , 2 - 10 employees. "PayPal's user-friendly interface makes it accessible to individuals of all tech-savviness levels." High and confusing fee structure 68% negative reviews out of 2838 Most reviewers describe fees as excessive, mentioning unpredictable charges, high transaction costs, and unfavorable rates for small businesses. Blair G. CEO, 1 employee. "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." Secure online payment experience 96% positive reviews out of 888 Most reviewers indicate safe transactions are essential, valuing PayPal’s security measures and protection of financial details. Inconsistent fraud resolution process 66% negative reviews out of 1159 Most reviewers report fraud protection is problematic, citing slow dispute handling and insufficient support for scam victims. Yessnia G. Operations, 2 - 10 employees. "I trusted PayPal to protect my personal and financial information, yet they have failed completely. Despite reporting the issue, PayPal has refused to refund my money and continues to allow the same fraudulent charges to go through." Consistent and trusted platform 97% positive reviews out of 696 Most reviewers describe reliability as crucial, highlighting PayPal’s consistent performance and longstanding reputation for trust. Beth A. Copywriter, 2 - 10 employees. "I've had a go with PayPal and Stripe for this and definitely find PayPal easier and more reliable." Limited global accessibility 57% negative reviews out of 821 Some reviewers indicate country availability restricts usage, noting difficulties accessing features or receiving payments in many regions. Mena I. Assistant Manager, 501 - 1,000 employees. "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." ## Features AI summary Based on 17,640 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) PayPal supports all three of the features reviewers rate most highly: **Data Security**, **Online Payments**, and **Mobile Access**. Together, these capabilities help businesses protect transaction information, accept payments through digital channels, and manage payment activity on the go, allowing teams to process transactions with more confidence and flexibility. Data Security 4.6 (3,276) 67.31% of 3276 reviewers that rated this feature as important or highly important PayPal offers strong encryption, two-factor authentication, and fraud monitoring to protect your financial data. Reviewers appreciate these robust security measures, though some mention rare issues with account access and concerns about dispute resolution in fraud cases. Online Payments 4.7 (3,885) 66.15% of 3885 reviewers that rated this feature as important or highly important With this capability, you can make fast, secure payments worldwide, link multiple funding sources, and enjoy seamless integration with e-commerce sites. Reviewers appreciate the convenience, security, and flexibility, though some mention limited acceptance at certain merchants. Mobile Access 4.7 (1,389) 60.91% of 1389 reviewers that rated this feature as important or highly important Access software remotely via mobile devices Debit/Credit Card Processing 4.5 (1,997) 55.98% of 1997 reviewers that rated this feature as important or highly important You can link and use debit or credit cards for quick, secure payments and withdrawals. Reviewers highlight the convenience, wide acceptance, and lack of setup fees, but some mention high transaction fees and occasional problems with card linking or chargebacks. Payment Fraud Prevention 4.5 (2,826) 64.72% of 2826 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Payment Processing 4.6 (3,528) 63.72% of 3528 reviewers that rated this feature as important or highly important It gives you fast, automated, and secure payment handling for online and business transactions. Some reviewers find the process reliable and efficient, but others report issues with payment holds, high fees, and inconsistent customer support. PayPal Payments 96 features ### All Features - Access Controls/Permissions: Define levels of authorization for access to specific files or systems - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Ad hoc Reporting: Generate one-off reports that meet information requirements - AI/Machine Learning: Software program that continuously adjusts its behavior based on observed data - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - Anomaly Detection: Automatically identify unusual behavior - API: Application programming interface that allows for integration with other systems/databases - Authentication: Verify the identity of users/devices to enable secure access - Barcode/Ticket Scanning: Scan barcodes to ensure accurate pricing and label tracking - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Billing Portal: Gateway through which end users can view past bills and pay current invoices - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Check Fraud Detection: Detection of fraudulent checks to prevent financial losses - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Contact Database: Centralized database of stakeholders and their contact information such as names, address, phone number etc. - Credit Card Processing: Accept and process credit card transactions - CRM: Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system - Customizable Dashboard: Alter the layout and content of dashboards - Customizable Invoices: Invoices that can be tailored according to company's branding, payment terms and personalized information - Data Import/Export: Import and export data to and from software applications - Data Management: Ability to handle large datasets - Data Security: PayPal offers strong encryption, two-factor authentication, and fraud monitoring to protect your financial data. Reviewers appreciate these robust security measures, though some mention rare issues with account access and concerns about dispute resolution in fraud cases. - Data Visualization: Graphical representation of data - Debit/Credit Card Processing: You can link and use debit or credit cards for quick, secure payments and withdrawals. Reviewers highlight the convenience, wide acceptance, and lack of setup fees, but some mention high transaction fees and occasional problems with card linking or chargebacks. - Deferred Billing: Buyer isn't billed until the period is up without any interest charges - Digital Wallet Payments: Allows customers to check out with wallet payment methods that digitally store credit and debit cards - eCommerce Management: Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products - EDI: Transfer of data from one computer system to another - Electronic Payments: Electronically collect payments for goods or services - Electronic Signature: Digitally sign online documents - Expense Tracking: Monitor and record expenses such as purchases or charges incurred - Financial Analysis: Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk - Financial Management: Plan, manage, and track the financial activities of an individual or organization - Financial Reporting: Generate reports to assess the financial performance of an organization - For Banking: Intended to be used by banks - For eCommerce: Intended to be used by online stores - For Food Trucks: Designed for food trucks - For Retail: For Retail Stores - For Small Businesses: Designed for small businesses - Fraud Detection: Identify and prevent suspicious activity - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Internal Fraud Monitoring: Monitoring employee behavior for suspicious activity to detect internal fraud - Inventory Management: Track and manage inventory levels to maintain proper supply - Invoice Creation: Create invoices from scratch or have recurring invoices - Invoice History: Store and view prior invoices for each account/client - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Invoice Processing: Creation, processing, verification, and execution of invoices till the payment is made - Marketing Reports: Reports specific to marketing and associated campaigns - Mobile Access: Access software remotely via mobile devices - Mobile Payments: PayPal offers you the flexibility to send, receive, and manage money on the go via its mobile app. Users think mobile payments are convenient, secure, and easy to use, with broad acceptance, though some mention occasional app limitations and transaction management challenges. - Monitoring: Observe and track the demand, usage, progress or quality of a system, product, or user - Multi-Currency: Manage and handle various international currencies - Multi-Location: Manage and support multiple locations - Multi-Period Recurring Billing: Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Invoicing: Create, send, and view electronic invoices - Online Payments: With this capability, you can make fast, secure payments worldwide, link multiple funding sources, and enjoy seamless integration with e-commerce sites. Reviewers appreciate the convenience, security, and flexibility, though some mention limited acceptance at certain merchants. - Order Management: Manage and track customer orders for goods, investments, or any other purchases - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - Payment Links: Send clickable links via text or email to collect payments from customers - Payment Options: Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more - Payment Processing: It gives you fast, automated, and secure payment handling for online and business transactions. Some reviewers find the process reliable and efficient, but others report issues with payment holds, high fees, and inconsistent customer support. - Payment Tracking: Track sent and received payments, invoices, and bills. - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Performance Management: Organize and manage the accomplishments and development of employees or performance of applications or systems - Point of Sale (POS): Accept and process customer payments for products or services using hardware and software - Product Catalog: Present a catalog of inventory that customers can view - Projections: Estimate or forecast of a future scenario based on the study of present trends - Promotions Management: Design, communicate, and distribute incentives to perform a specific action - Real-time Alerts: Receive notification of issues as soon as they occur - Real-Time Data: Receive data and information in real time - Real-Time Monitoring: Active monitoring of systems, applications, or networks - Receipt Management: Upload, track, and submit receipts in a central database - Recurring Invoicing: Generate recurring invoices - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Refund Management: Oversee the process of issuing refunds - Reminders: Timed notification for any upcoming task, deadline, appointment, or activity - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Returns Management: Track and facilitate returns of products sold - Risk Analysis: Analyze potential risks across the organization - Risk Management: Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties - Role-Based Permissions: Set & manage permission levels based on user roles and restrict access to only authorized individuals - Sales Reports: Reports specific to sales analysis for trends and strategies - Sales Tax Management: Calculation of consumption tax imposed on the sale of goods/services - Scheduled/Automated Reports: Set a time to generate routine reports automatically - Search/Filter: Search and filter data across systems to locate required information by entering keywords or certain criteria - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Shipping Labels: Generate or print labels that contain shipping information for packages - Shipping Management: Manage and track orders being shipped to customers - Social Media Integration: Integrate with social media platforms such as Facebook, Twitter, LinkedIn, etc. - Status Tracking: Track the status over time for a request, process, asset, or transaction - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities --- Get Advice We can help you find the software with the features you need. Features 4.6 (26,797) 4.6 Based on 26,797 reviews ## Pricing Value for money 4.5 (20625) Free Version [View pricing plan details](https://www.capterra.com/p/207944/PayPal/pricing/) Point of Sale $0.09 Other, Card Processing $0.29 Other, It includes: - Visa - Mastercard - Apple Pay - Maestro - American Express - Discover PayPal and Venmo $0.49 Other, It includes: - PayPal - Venmo Pay Later $0.49 Other, Value for money 4.5 (20,625) 4.5 Based on 20,625 reviews ## Integrations [ WordPress](https://www.capterra.com/p/131687/WordPress/)[ Wix](https://www.capterra.com/p/169007/Wix/)[ Venmo](https://www.capterra.com/p/222572/Venmo-/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/)[ Squarespace](https://www.capterra.com/p/143461/Squarespace/)[ Stripe Payments](https://www.capterra.com/p/123889/Stripe/) 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. ## Support, customer service and training options Customer Service 4.2 (20883) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.2 (20,883) 4.2 Based on 20,883 reviews ## User reviews Overall rating 4.6 Based on 26,825 reviews Filter by rating Counts reflect reviews available in this feed. 5(19806) 4(5391) 3(1085) 2(214) 1(329) Mentioned topic Recent reviews first, then most helpful Gayatri R. Finance Lead - Founders' Office Used the software for: 1-3 years ### "Trusted Worldwide Payments with Instant Setup" 4.0 November 10, 2026 Customers trust it, so fewer drop off at checkout. Taking international payments is simple, and refunds and tracking are all in one place. Pros It’s trusted almost everywhere, so customers are comfortable paying with it, especially international ones. Setup with most platforms is quick, payments show up instantly, and the dashboard makes it easy to track transactions and issue refunds. Buyer and seller protection also adds peace of mind. Cons Fees are high, especially on international payments and currency conversion, and they add up quickly. Funds can sometimes be held or an account limited without a clear reason, which is frustrating. Disputes often favour the buyer, and reaching a real person in support takes a long time. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Mason C. Retail Specialist Used the software for: 3-5 years ### "Easy, Convenient Payments to Friends Made Simple" 5.0 November 10, 2026 It helps solve problems when I need to pay a friend quickly, or when a group of us pools our money together for a trip. Pros It’s really helpful to be able to send payments easily to friends, whether it’s for goods or services. I also love how simple and convenient the platform is to navigate. Cons The downside is that some places don’t accept them as a payment option. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Franck L. Analyste systèmes métier ### "IHM intuitive et réactive pour agir rapidement" 5.0 November 10, 2026 Il permet de rester agile Pros l'IHM est Intuitif et diligent et permet une action rapide Cons parfois compliqué de trouver le destinataire Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Phindile S. Payment Operations Specialist Used the software for: 5+ years ### "Convenient" 5.0 November 10, 2026 PayPal solves the issue of having to not have an actual card rather paying online with your available amount as this is in dollars. Pros The things I like most about PayPal Payments is that with this you can be able to make and receive payments internationally. You can link your international card or U.S card on the app and purchase things inline using your PayPal. Cons There is nothing I dislike about PayPal so far as it is convenience for me as I am a person who enjoys shopping online. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Sarvesh T. analyst ### "Smooth, Hassle-Free Payments and Easy Withdrawals with PayPal" 4.5 November 10, 2026 it is solving all the payment problems for all purpose receiving sending money across border transactions Pros Paypal payment provides a very smooth and hasslefree payment gateway , withdrawls are easy Cons there is nothing i found disliking in paypal only issue is sometimes verification otp comes a little late Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Leah O. Board Member and Elder Used the software for: 5+ years ### "Convenient and Trusted, but Leaves Room for Improvement" 2.5 November 9, 2026 PayPal allows businesses and non-profits to collect electronic payments without needing to build or maintain their own infrastructure for accepting those payments. Pros It's convenient and most people are aware of PayPal so they trust it Cons I dislike the fees that PayPal requires even for non-profits. I feel that non-profits should definitely have either extremely low fees or no fees as they're accepting donations. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Mohammad Saheb A. Department Manager ### "Fast, Easy Payments Accepted Worldwide—Despite Occasional Deposit Issues" 5.0 November 8, 2026 I find PayPal Payments makes it easy to pay on international subscription and shopping sites. Pros I like that I can pay on international websites and shopping sites, and pay for subscriptions. It’s fast and easy to use, and I can pay anywhere it’s accepted. It was easy to install and add my card. Cons Sometimes I have issues with wallet deposits, and it doesn’t work. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. marina L. Founder Used the software for: 5+ years ### "Trusted Worldwide Payments That Help My E-Commerce Business Grow" 5.0 November 8, 2026 To be able to provide payment options to many countries, in different currencies. Pros As an e-commerce store that sells worldwide, it helps me offer secure payment options to customers around the world without problems. PayPal is known by everyone, so there’s a high level of trust in the company, and that also helps my business. Cons The only complaint I have is the exchange rate they use when I want to withdraw my balance to my local currency into my bank account. The currency exchange rate is always bad. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. CC Carol C. Sew What Fabrics and Batiks Etc. Used the software for: 3-5 years ### "Split Payments Make Expense Management Seamless with PayPal Payments" 4.5 November 6, 2026 The transaction and processing fees can sometimes feel quite high, especially when dealing with international transactions or currency conversions. These cumulative costs can add up quickly over time and impact overall profit margins for smaller operations. Pros What I like best about PayPal Payments is the exceptional flexibility offered by its split payment capabilities. This feature significantly streamlines our expense management by allowing us to divide costs across different funding sources seamlessly during a single transaction. It eliminates the need for manual, post-purchase accounting adjustments and vastly improves our overall financial workflow efficiency. Cons The transaction and processing fees can sometimes feel quite high, especially when dealing with international transactions or currency conversions. These cumulative costs can add up quickly over time and impact overall profit margins for smaller operations. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Derek P. Author Used the software for: 5+ years ### "Easy Global Payments with Flexible Funding Options" 4.5 November 6, 2026 I use PayPal Payments as a form of payments through my online store's shopping cart, via WooCommerce. It enables me to receive payments from anyone in the world, even if they don't have a credit card, because they can transfer money to their PayPal account or use it as the intermediary to their bank account. It also provides the buyer with shopping protection, which increases their feeling of trust in my store. Pros PayPal makes it easy to send and receive money around the world. There are many ways to fund a PayPal account, and anyone in the world can do so, which makes it convenient to pay freelancers or to buy products via PayPal. And it costs nothing to use it if you're sending money to friends and family. Cons The fees at PayPal are higher than at their competitors, such as Wise. I dislike how much they charge for sending money overseas, and when converting currencies. I prefer to use their competitors for this. But it's decent for transactions within the US, even with higher fees. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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