# Page 3 | PayPal Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - Is PayPal the right Payment Processing solution for you? Explore 26408 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 (26408) [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 # Page 3 - Reviews of PayPal ## Showing most helpful reviews Showing 51-75 of 26408 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use 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 Trinidad F. Remote Assistance Specialist Business Supplies and Equipment Used the software for: 2+ years ### "PayPal is your financial online pal!" February 10, 2026 5.0 My overall experience with Paypal is extremely positive. I've had very little issues when using the product and app. I highly recommend this product to friends, family, and other users. Pros PayPal is very convenient and the app is very user-friendly. I really enjoy the ease and simplicity of this product. Also it's amazing how much you can do with the free version. Cons PayPal leaves very little to be desired. Especially when comparing Paypal to similar products and other apps. I do wish transactions through Paypal were a little bit faster. Sometimes there is a slight delay when transferring funds to a bank account. Review Source Raju K. Operator Luxury Goods & Jewelry Used the software for: 2+ years ### "A Widely Used Digital Payment Platform" December 15, 2025 4.0 Overall, PayPal is a trusted and secure payment platform that works well for freelancers, small businesses, and users handling international payments. Pros 1)In paypal prizing structure is transparent 2) Observed Quick Customer support for basic issues. 3) Interface looking very simple even uneducated people can get easily learn. 4)PayPal’s invoicing feature covers essential needs like invoice creation and payment 5)Day-to-day transactions usually work smoothly without major problems. 6)Expense management tools are basic and suitable for small-scale use. 7) Cons 1)Charges are little high for international transactions. 2) Taking more time for complex issue by customer support. 3)Advanced invoicing features and deeper customization options are limited. 4)Customization options are somewhat limited, particularly for invoices and reports. 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 VR Verified Reviewer Assistant manager Retail Used the software for: 2+ years ### "PayPal is great. " March 24, 2026 5.0 I have been using PayPal for several years and have never had any issues. Transfers are quick and reliable, together with a clear log of every cent coming or going. I will gladly recommend its use to anyone, in fact I've done so several times. Pros PayPal is a convenient and easy way to do business both nationally and internationally. It has an easy to use interface and can be used to both pay and be paid by anybody anywhere in the world. It is also extremely safe, there is no reason to be concerned about your privacy or funds. Cons While the app is American, it is understandable that it would be easiest to get your money into an American bank account. This can however be a little more tricky for other countries as sometimes they only work with one of that country's banks, so unless you're already using that specific bank, you either need to open a new account or hope for some sort of bypass through that bank to your own. Review Source Giancarla E. Managerin Individual & Family Services Used the software for: 2+ years ### "ES GIBT KEIN KÄUFERSCHUTZ AUF PAYPAL" December 20, 2025 1.0 Die Artikel wurden NICHT EINMAL versandt, aber PayPal hat zugunsten des Verkäufers entschieden SCHON MAL Fall auf Ruckerstatung geändert weil der Käufer eine Rückerstattung versprochen hatte. Auch da hat PayPal gegen mich entschieden, somit bleiben wir ohne Ware und ohne Geld! WENN DAS Käuferschutz ist, bin ich der Papst. Pros Ich dachte, ich wäre mit PayPal am besten geschützt. Dem ist nicht mehr so. KEINE ware erhalten, keine Rückzahlung, weil paypal es so will. Cons Ich glaube fast, dass PayPal große Zahlungsdienstleister für Verkäufer, wie Alipayeu, schützt. Dass die klein Käufer keine Chance haben ein Streitfall zu Gewinnen auf PayPal. Review Source William C. manager Entertainment Used the software for: 2+ years ### "Paypal is great!" December 13, 2025 5.0 I have had a very positive engagement with Paypal. I have made a. lot of money with them which I would not have been able to trying to process VISA and M/C myself. I am truly indebted to them for this. Pros I have been using these guys since the beginning. At first it was to handle all the transactions on Ebay I sold. Very easy to use. I was able to get my money quickly and easily so that I was able get the orders shipped out ASAP. They also had great customer support which gives customers confidence that they where going to get their stuff. I think that is big load off of their minds. I also found the integration with other software for making the invoices and for handling the traffic was good. I had no issues with bugs or crashes or anything like that. I works like a charm. Cons Ok, I have really no real beef with Paypal. Sometimes, I think their exchange rate from Canadian to USD is a bit high, but I get it. They are not a bank. They have to hedge how the currencies change. 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 VR Verified Reviewer Admin Business Supplies and Equipment Used the software for: 6-12 months ### "PayPal Review: Reliable Global Payments with Room for Improvement" April 8, 2026 5.0 Overall, PayPal is a dependable and widely accepted payment platform that simplifies online transactions, especially across borders. It stands out for its ease of use and trusted reputation. However, improvements in customer support, fee transparency, and app stability would significantly enhance the user experience. Pros Ease of Use: PayPal has a very intuitive interface. Sending and receiving money is quick and doesn’t require much technical knowledge, making it beginner-friendly. Global Reach & Value for Money: It’s extremely useful for international transactions. While fees exist, the convenience and trust factor often justify the cost, especially for freelancers or small businesses. Invoicing: The invoicing feature is clean and professional. Creating and sending invoices takes just a few clicks, which is great for managing small-scale business payments. Security: Strong buyer and seller protection policies give confidence while transacting online. Cons Customer Support: Response times can be slow, and resolving issues sometimes takes longer than expected. Direct human support isn’t always easy to access. Fees: Transaction and currency conversion fees can feel high, especially for frequent users or small payments. Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience. Refunds: Refund processing can be inconsistent while some are quick, others take several days, which can be frustrating. Customization: Limited options for customizing invoices or dashboards compared to more advanced tools. 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 Bilel F. Affiliate marketer Marketing and Advertising Used the software for: 2+ years ### "review paypal" March 7, 2026 5.0 Le confort d'achat : Ne plus avoir à sortir sa carte bancaire à chaque achat, c'est un vrai gain de temps. Le fait de ne pas avoir à communiquer ses coordonnées bancaires à des petits sites marchands est extrêmement rassurant. Pros Sécurité Acheteur : Si vous achetez un article en ligne et qu'il n'arrive jamais, ou s'il ne correspond pas du tout à la description, PayPal peut vous rembourser intégralement via son programme de protection des achats. Sécurité Vendeur : Pour les vendeurs, une protection existe aussi contre les litieux non fondés, ce qui rassure dans les transactions. Transferts instantanés : Envoyer de l'argent à un ami pour un cadeau commun ou rembourser une dette se fait en quelques clics, souvent instantanément si les deux comptes sont liés. Cons Frais de transaction : Pour les transactions commerciales (réception d'argent pour la vente d'un bien ou service), les frais sont plus élevés que ceux de nombreux concurrents (souvent autour de 2,99% + frais fixes). Frais de change : Si vous achetez dans une devise étrangère, le taux de conversion appliqué par PayPal est rarement compétitif. Il inclut une marge cachée (majoration du taux de change) qui rend l'opération coûteuse. Frais de retrait : Bien que les retraits vers un compte bancaire soient gratuits aux États-Unis et en Europe sous certaines conditions, ils peuvent être facturés dans d'autres régions ou pour les retraits instantanés. Transférer son argent vers son propre compte ne devrait pas, idéalement, avoir de coût. 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 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 Tracie B. Executive Director Non-Profit Organization Management Used the software for: 2+ years ### "Fair, not great for small non-profits " February 20, 2026 3.0 Fair. The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits. Pros PayPal is easy to integrate and set up as a form of payment processing for giving donations and for purchasing products from my small non-profit. PayPal does make invoicing customers and clients less of a hassle. Cons The fees and hold times of donations and income. Often, a non-profit has to wait at least 30 days before seeing their donation funds which is a barrier for small non-profits. Review Source VB Violet B. Artist Representative Arts and Crafts Used the software for: 2+ years ### "PayPal is great for Small Business Owners" April 24, 2026 4.0 I have used this payment system for 25 years and recommend it to other small business owners. It's made taking payments from my clients so much easier and keeps great records! Other than not having the ability to speak directly with a human customer service rep now I still enjoy the program a lot. Pros I love that it is convenient, cost effective and user friendly. It also allows me to have different "shops" or locations within 1 set up using the same account. I also love that I can send easy to read invoices directly to my clients with all the pertinent info they need. Cons I dislike that I can no longer speak with a live person when I have a customer service issue. The AI assistant is subpar at best and it takes forever to get my questions answered. Review Source SC Sarah C. Co-CEO Consumer Goods Used the software for: 2+ years ### "Great for personal and business use alike" October 21, 2025 5.0 I use PayPal for personal reasons most of the time - online shopping, sending money to friends, receiving money from friends (that's the most fun). Occasionally I will use it for business transactions, such as selling items online, where the invoicing feature is both easier to use than any other money transfer but also safer because it keeps a record of who is sending what for what. While the app gives me fits every time I have to transfer money out of PayPal to my bank, on the whole it's been an excellent addition to my financial management tools. Pros PayPal is easy to use and trustworthy. It feels like it has been around forever and I can trust them with my financial information. I like how easy it is to send money to others, for both business and personal reasons, and it's also super easy to use for invoicing when selling items online. It links my checking account and credit cards together in one easy place so I can use either when shopping online. The fees are reasonable and only apply to business transactions; I can use it personally for free. Cons I don't like the navigation within the app. It is hard for me to find how to transfer money from my PayPal account to my bank. I suppose they want me to keep my funds in my PayPal account. Review Source AM Ally M. Sr Engjneering Manager Consumer Services Used the software for: 1-2 years ### "Necessity! But hard to debug without help" November 14, 2025 3.0 It was easy at first to implement PayPal because we had an account executive that was very helpful. I really was happy at the increase of engagement and users when we add a PayPal because it made it easy for them to buy our product. However, when we came to an issue, we discovered that our account executive had been removed and hadn’t been replaced. Therefore, we had no one to speak to, and I spent hours on the phone trying to debug what was going on. After we got it fixed, it did work fall asleep. But I was always nervous we would have another issue and we wouldn’t be able to fix it. At the end of the day, it’s a huge company and I understand that they can’t always allocate resources on smaller businesses, but there should be an easier way to ask for customer service than what they have in place now. Pros A lot of people use PayPal so it was an essential part of adding it to our payment experience. When we did have an account person working with us, they were very responsive and generally helped us try to troubleshoot when we had problems with implementation or questions about the spread of users. Cons Our account executive was pulled off of our account without letting us know. When we had a sudden breakdown of PayPal, I spent more than seven hours on the phone, trying to find the right person to speak to to help us deep bug the issue. Review Source JM Jeff M. Marketing Director Financial Services Used the software for: 2+ years ### "Consistent and Trustworthy!" November 14, 2025 5.0 I love it! I used PayPal daily for personal transactions as well as making some business payments. It's been easy to use, and fast to send payments. Pros I like how quickly paymenta are transferred and how low the fees are. It's very easy to use and I get invoices and receipts quickly and easily. The customer support is build right into the app and makes it's very user friendly. It's quick for me to see how much money I've spend or received and I find very little bugs or issues with PayPal. I appreciate the customization via adding friends and being able to do repeat payments. Cons I would like if there was a way to see more of a daily summary and not just a monthly one. This would help me track my finances better and more efficiently. Switched from [Cash App](https://www.capterra.com/p/246167/Cash-App/) PayPal seemed more reliable and with fewer unexpected delays than Cash has. Review Source Mai M. Managing Director Hospitality Used the software for: 2+ years ### "Pay with PayPal" March 29, 2026 5.0 A dream! The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us. Pros We are loving the online payment and digital wallet allowing for super secure money transfers and payment processing for our small business. Our clients are loving this new option for making payments! Cons No cons, it's a platform that is super familiar to our employees and clients so there is a bulit in comfort there! Review Source OJ Ollis J. It manager Information Technology and Services Used the software for: 2+ years ### "Simple and reliable payment method " February 23, 2026 4.0 Overall, my experience with PayPal has been good. It’s reliable and convenient for both personal and business payments, but the fees and occasional delays could be improved. Pros I like how easy PayPal is to use. Sending and receiving money is quick, and I feel secure using it for online payments. It’s also widely accepted, which makes transactions simple. Cons The fees can be a bit high, especially for business transactions. Sometimes funds get placed on hold longer than expected, which can be frustrating. 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 Imanol Alfonso P. CPO Computer Software Used the software for: 2+ years ### "It is a must have in your business. " September 22, 2025 4.0 My overall experience is good. I integrate PayPal in all my eCommerce. I think that is a must have for all the business. Pros Many people use PayPal, and the first rule in my business is to make it as easy as possible for customers to pay so that I can collect as much money as possible. PayPal takes this to the max. Cons The login system and API management sometimes fail or cause problems and delays. The system gets “stuck” and it's a bit frustrating. Review Source VR Verified Reviewer Web Developer Computer Software Used the software for: 2+ years ### "Paypal recensione ottima" March 31, 2026 4.0 La mia esperienza complessiva per quanto riguarda Paypal è del tutto soddisfacente anche perchè la maggior parte dell'utenza possiede un account e quindi non è difficile scambiarsi anche piccoli addebiti Pros il fatto di poter pagare in comode rate anche senza un intermediario come findomestic ed il fatto che i soldi arrivano immediatamente ed è utilizzabile praticamente su qualsiasi piattaforma Cons lo svantaggio sta che finchè si trattano di piccole transazioni in fase di ritiro istantaneo il prezzo è moderato però per cifre più alte la solfa cambia Review Source Barzakh T. Business Analyst Information Technology and Services Used the software for: 2+ years ### "Reliable for payments but Fees can add up" May 3, 2026 4.0 Overall, Paypal do well in terms of ease of use and accessibility. It is my preferred choice for quick and secure online transection. The invoicing functionality is practical but lacks advanced customization. In term of value for money, the convenience often outweighes the cost, but fee can become significant over time. Pros It is very easy to use and quick to setup for the new user with a simple interface that makes sending, receiving and managing payments straightforward. I feel it's invoicing feature is convenient for freelancers allowing me quickly to create and share invoices. PayPal also provide reliable package tracking and basic expense visibility. The most importantly it's global acceptance. Cons Transactional and currency conversion fees reduce overall value for money when I doo for international clients. Customer support is a a bit inconsistent when handling disputes. There is small bug and issue i feel is the occasional delay in transfer payment. Expenses and data management features are somewhat limited. Review Source AC Aldophe C. Student Information Technology and Services Used the software for: 1-2 years ### "Easy online payments with room for improvement." January 28, 2026 4.0 Overall,my experience with PayPal has been positive.It is a reliable and easy-to-use platform for sending and receiving payments online.The system works well for everyday transactions, invoicing, and international payments. While fees and customer support response times could be improved, PayPal remains a trusted solution thanks to its security, wide acceptance, and convenience.I would recommend it for individuals,freelancers,and small businesses that need a simple online payment method. Pros PayPal is very easy to use and widely accepted for online payments.I like that it allows fast and secure transactions,both locally and internationally. The setup process is simple, and the mobile app makes it easy to track payments and manage my account. PayPal also provides buyer and seller protection,which increases trust when sending or receiving money online. Cons The main downside of PayPal is the transaction fees,which can be high,especially for international payments.Customer support can sometimes be slow to respond, and account limitations may occur without clear explanations.Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs. 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.