# PayPal Software 2026: Features, Integrations, Pros & Cons | Capterra > Capterra's in-depth exploration of PayPal Software's capabilities reveals its suitability for various software needs and provides a comprehensive overview of PayPal Software pricing, features, integrations, and potential alternatives. Source: https://www.capterra.com/p/207944/PayPal3 --- # PayPal Software Review 2026: Features, Integrations, Pros & Cons Last updated on October 16, 2025 Written byPreksha Buttan Preksha Buttan Preksha Buttan is a writer at Capterra. She provides insights to help small businesses identify the right software for their needs by analyzing more than 550,000 Capterra user reviews and nearly 48,000 interactions between Capterra software ad... [See bio & all articles](https://www.capterra.com/resources/author/pbuttan/) Edited byMehar Luthra Mehar Luthra Content Editor Mehar has been a team lead at Capterra for nearly three years, helping shape educational articles, thought leadership research reports, and content designed to help businesses compare software to find the best fit. She's spent nearly a decade... [See bio & all articles](https://www.capterra.com/resources/author/mehar-luthra/) Content Editor Written by [Preksha Buttan](https://www.capterra.com/resources/author/pbuttan/) Preksha Buttan is a writer at Capterra. She provides insights to help small businesses identify the right software for their needs by analyzing more than 550,000 Capterra user reviews and nearly 48,000 interactions between Capterra software advisors and buyers. Edited by [Mehar Luthra](https://www.capterra.com/resources/author/mehar-luthra/) Content Editor Mehar has been a team lead at Capterra for nearly three years, helping shape educational articles, thought leadership research reports, and content designed to help businesses compare software to find the best fit. She's spent nearly a decade in the editorial space, having served as a content writer, editor, editorial head, and now as a team lead. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Key takeaways](#key-takeaways)[Our verdict](#our-verdict)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Interface](#interface)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) PayPal PayPal Overview: ### Key takeaways Insights from verified Capterra reviews PayPal helps businesses manage digital payments, invoicing, and mobile transactions across eCommerce and service workflows. It’s most used by marketing, IT services, and retail teams. Reviewers highlight its mobile access and real-time alerts, but pricing and fraud resolution are common concerns. ### Our verdict The platform suits small and midsize businesses (SMBs) that need fast, secure digital transactions with mobile access and global reach. While its pricing model may stretch smaller budgets, the trade-off is access to advanced checkout tools and real-time alerts. Buyers should weigh fee structures and support responsiveness before committing. Overall rating Based on 26,304 user reviews Reviews sentiment Positive 94% Neutral 4% Negative 2% Pros & cons Intuitive user experience Secure payment processing High and confusing transaction fees Inconsistent fraud and dispute handling Starting price $0.09 Per User, Per Month Free trial not available Capterra Shortlist charts the highest-rated and most popular products... 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?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.paypal.com&name=PayPal) ## 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 4.6 (26,304) VS. [4.6 (3,310)](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 (26,282) Ease Of Use 4.5 (3,299) Value For Money 4.5 (20,142) Value For Money 4.4 (2,504) Customer Service 4.2 (20,399) Customer Service 4.2 (2,257) ## PayPal alternatives PayPal may not suit teams seeking more flexible branding, lower transaction fees, or deeper point of sale (POS) integrations. Explore other payment processing tools that better align with your business priorities and interface preferences. [4.2 (2,003)](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 [3.8 (713)](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 [4.0 (117)](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 75% of reviewers rated it above 4 stars [4.2 (1,294)](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/) ## Who uses PayPal? 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 user experience 95% positive reviews out of 6025 Most users describe ease of use as essential, highlighting straightforward navigation, quick setup, and simple interface for all 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 transaction fees 68% negative reviews out of 2739 Most reviewers indicate fees are costly and unpredictable, impacting small businesses and frequent users with unclear charges. Larry R certified public accountant, 2 - 10 employees. "I don't like the hidden fees and the amount of money i lose just to use PayPal. if PayPal had less fees the product would be much more useable for my business." Secure payment processing 96% positive reviews out of 876 Most users comment safe transactions provide peace of mind, with strong security measures and protection for personal information. Inconsistent fraud and dispute handling 65% negative reviews out of 1118 Most reviewers find fraud protection unreliable, with slow dispute resolution and frequent issues favoring buyers over sellers. Iris C business owner, 10,001+ employees. "PayPal just take your money without proof if the customer is at fault." Trusted financial transaction platform 98% positive reviews out of 664 Most users report reliability is crucial, citing consistent performance, trustworthiness, and dependable transaction support for business. 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 58% negative reviews out of 797 Most reviewers describe country availability as restrictive, noting many regions lack full PayPal functionality for payments and withdrawals. 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." ## PayPal's interface The interface is generally intuitive, and users appreciate the clarity of its dashboard and mobile app. However, some mention cluttered layouts and difficulty locating key features, especially on mobile. Plus, navigation is straightforward but can feel inconsistent across devices. Preksha Buttan PayPal’s mobile app makes sending payments and tracking transactions simple. But when it comes to things like viewing declined charges or resolving disputes, the process can feel clunky and unclear. That slows things down and can shake your confidence. Ease of Use 4.6 (26,282) 4.6 Based on 26,282 reviews ## Key features View by: These features have been rated as most important by users based on their reviews. View by: Get Advice We can help you find the software with the features you need. Preksha Buttan PayPal’s top-rated features help businesses stay responsive and in control of their digital payments. Real-time alerts, mobile access, and secure processing combine to support fast decision-making and reliable financial operations across teams. Features 4.6 (26,272) 4.6 Based on 26,272 reviews The PayPal features below were rated the highest by reviewers. Our commentary is based on reviewer sentiment and collective feedback from reviews published in the past two years. Real-time alerts 4.9 (40) 40 reviewers rated this feature Keeps you informed about every transaction, login, or payment activity with instant notifications. This feature improves financial oversight and helps detect fraud early, especially for businesses managing frequent transactions. Online payments 4.5 (3,409) 3409 reviewers rated this feature Enables fast, secure global payments without sharing card details. Many buyers value the flexibility of linking multiple funding sources and using features like ‘Pay in 4’ for installment options. Dashboard 4.5 (63) 63 reviewers rated this feature Centralizes account data and transaction tools in one place. The interface is visually clear and easy to navigate, supporting efficient payment tracking and account management. Mobile access 4.4 (1,262) 1262 reviewers rated this feature Supports secure account management on the go with fingerprint login, two-factor authentication, and real-time alerts. It’s reliable and easy to use across devices. Data security 4.4 (2,909) 2909 reviewers rated this feature Protects sensitive information with encryption, authentication, and fraud detection. This builds trust and confidence in using PayPal for financial transactions. Payment processing 4.4 (3,329) 3329 reviewers rated this feature Handles instant transfers and global payments with ease. It integrates well with invoicing and eCommerce platforms, supporting smooth digital transactions. Expanded checkout 0 reviewers rated this feature Enables businesses to tailor the checkout experience with more payment options, layout control, and risk filters. This helps reduce cart abandonment and supports smoother transactions across devices and geographies. Virtual terminal 0 reviewers rated this feature Allows manual entry of card payments directly from a browser, making it easier to accept payments over the phone or in person without a physical card reader. Ideal for service-based businesses or remote billing scenarios. 24/7 Fraud analysis and order decisioning 0 reviewers rated this feature Provides continuous monitoring of transactions to detect suspicious activity and automate decisions. This helps reduce chargebacks and ensures legitimate orders are processed without delay. Custom rates and interchange plus pricing 0 reviewers rated this feature Offers tailored pricing models for high-volume merchants, enabling better cost control and transparency. Businesses can negotiate rates based on transaction volume and payment method mix. All key features (101) Provides continuous monitoring of transactions to detect suspicious activity and automate decisions. This helps reduce chargebacks and ensures legitimate orders are processed without delay. 0 reviewers rated this feature Define levels of authorization for access to specific files or systems 54.39% of 57 reviewers that rated this feature as important or highly important Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. 0.00% of 1 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) 54.30% of 512 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities 85.68% of 433 reviewers that rated this feature as important or highly important Generate one-off reports that meet information requirements 33.33% of 9 reviewers that rated this feature as important or highly important Software program that continuously adjusts its behavior based on observed data 83.33% of 12 reviewers that rated this feature as important or highly important Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges 81.54% of 65 reviewers that rated this feature as important or highly important Automatically identify unusual behavior 30.00% of 10 reviewers that rated this feature as important or highly important Application programming interface that allows for integration with other systems/databases 75.61% of 41 reviewers that rated this feature as important or highly important Verify the identity of users/devices to enable secure access 0% of 0 reviewers... Scan barcodes to ensure accurate pricing and label tracking 57.89% of 19 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers 47.30% of 964 reviewers that rated this feature as important or highly important Gateway through which end users can view past bills and pay current invoices 52.25% of 289 reviewers that rated this feature as important or highly important Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances 78.13% of 96 reviewers that rated this feature as important or highly important Detection of fraudulent checks to prevent financial losses 66.67% of 30 reviewers that rated this feature as important or highly important Track and manage adherence to policies for any service, product, process, or supplier 42.19% of 64 reviewers that rated this feature as important or highly important Centralized database of stakeholders and their contact information such as names, address, phone number etc. 39.58% of 288 reviewers that rated this feature as important or highly important Accept and process credit card transactions 77.44% of 523 reviewers that rated this feature as important or highly important Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system 50.00% of 4 reviewers that rated this feature as important or highly important Offers tailored pricing models for high-volume merchants, enabling better cost control and transparency. Businesses can negotiate rates based on transaction volume and payment method mix. 0 reviewers rated this feature Alter the layout and content of dashboards 30.77% of 13 reviewers that rated this feature as important or highly important Invoices that can be tailored according to company's branding, payment terms and personalized information 57.89% of 456 reviewers that rated this feature as important or highly important Centralizes account data and transaction tools in one place. The interface is visually clear and easy to navigate, supporting efficient payment tracking and account management. 63 reviewers rated this feature Import and export data to and from software applications 66.45% of 152 reviewers that rated this feature as important or highly important Ability to handle large datasets 77.78% of 9 reviewers that rated this feature as important or highly important Protects sensitive information with encryption, authentication, and fraud detection. This builds trust and confidence in using PayPal for financial transactions. 2909 reviewers rated this feature Graphical representation of data 68.42% of 38 reviewers that rated this feature as important or highly important You can link debit and credit cards to PayPal for secure, fast transactions and global payments. Reviewers value the convenience, broad card acceptance, and no setup fees, but some mention high fees and occasional issues with card linking or chargebacks. 55.73% of 1954 reviewers that rated this feature as important or highly important Buyer isn't billed until the period is up without any interest charges 55.56% of 36 reviewers that rated this feature as important or highly important Allows customers to check out with wallet payment methods that digitally store credit and debit cards 88.00% of 25 reviewers that rated this feature as important or highly important Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products 42.64% of 197 reviewers that rated this feature as important or highly important Transfer of data from one computer system to another 0% of 0 reviewers... Electronically collect payments for goods or services 69.70% of 1264 reviewers that rated this feature as important or highly important Digitally sign online documents 43.87% of 310 reviewers that rated this feature as important or highly important Enables businesses to tailor the checkout experience with more payment options, layout control, and risk filters. This helps reduce cart abandonment and supports smoother transactions across devices and geographies. 0 reviewers rated this feature Monitor and record expenses such as purchases or charges incurred 72.00% of 25 reviewers that rated this feature as important or highly important Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk 76.47% of 51 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization 79.07% of 43 reviewers that rated this feature as important or highly important Generate reports to assess the financial performance of an organization 48.98% of 49 reviewers that rated this feature as important or highly important Intended to be used by banks 0% of 0 reviewers... Intended to be used by online stores 100.00% of 1 reviewers that rated this feature as important or highly important Designed for food trucks 100.00% of 1 reviewers that rated this feature as important or highly important For Retail Stores 63.41% of 41 reviewers that rated this feature as important or highly important Designed for small businesses 81.82% of 66 reviewers that rated this feature as important or highly important Identify and prevent suspicious activity 57.14% of 14 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee 44.40% of 518 reviewers that rated this feature as important or highly important Monitoring employee behavior for suspicious activity to detect internal fraud 55.56% of 18 reviewers that rated this feature as important or highly important Track and manage inventory levels to maintain proper supply 31.28% of 211 reviewers that rated this feature as important or highly important Create invoices from scratch or have recurring invoices 53.33% of 827 reviewers that rated this feature as important or highly important Store and view prior invoices for each account/client 48.36% of 639 reviewers that rated this feature as important or highly important Captures invoice data and maintains comprehensive records for auditing and reporting purposes 52.17% of 23 reviewers that rated this feature as important or highly important Creation, processing, verification, and execution of invoices till the payment is made 71.98% of 514 reviewers that rated this feature as important or highly important Reports specific to marketing and associated campaigns 100.00% of 1 reviewers that rated this feature as important or highly important Supports secure account management on the go with fingerprint login, two-factor authentication, and real-time alerts. It’s reliable and easy to use across devices. 1262 reviewers rated this feature With PayPal’s mobile capability, you can send, receive, and manage money anytime, anywhere using the app. Users think it’s convenient, secure, and user-friendly, with instant transfers, QR/barcode options, and integration with services like Mpesa and POS systems. 61.41% of 2589 reviewers that rated this feature as important or highly important Observe and track the demand, usage, progress or quality of a system, product, or user 25.00% of 4 reviewers that rated this feature as important or highly important Manage and handle various international currencies 59.93% of 836 reviewers that rated this feature as important or highly important Manage and support multiple locations 43.46% of 214 reviewers that rated this feature as important or highly important Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit 37.65% of 85 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application 46.37% of 910 reviewers that rated this feature as important or highly important Create, send, and view electronic invoices 57.29% of 953 reviewers that rated this feature as important or highly important Enables fast, secure global payments without sharing card details. Many buyers value the flexibility of linking multiple funding sources and using features like ‘Pay in 4’ for installment options. 3409 reviewers rated this feature Manage and track customer orders for goods, investments, or any other purchases 42.08% of 808 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. 62.73% of 2632 reviewers that rated this feature as important or highly important Integration with payment gateways to facilitate online transactions 90.00% of 360 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers 88.66% of 194 reviewers that rated this feature as important or highly important Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more 75.50% of 200 reviewers that rated this feature as important or highly important Handles instant transfers and global payments with ease. It integrates well with invoicing and eCommerce platforms, supporting smooth digital transactions. 3329 reviewers rated this feature Track sent and received payments, invoices, and bills. 100.00% of 6 reviewers that rated this feature as important or highly important Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) 43.92% of 296 reviewers that rated this feature as important or highly important Organize and manage the accomplishments and development of employees or performance of applications or systems 60.00% of 5 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software 43.89% of 319 reviewers that rated this feature as important or highly important Present a catalog of inventory that customers can view 30.43% of 23 reviewers that rated this feature as important or highly important Estimate or forecast of a future scenario based on the study of present trends 150.00% of 2 reviewers that rated this feature as important or highly important Design, communicate, and distribute incentives to perform a specific action 33.75% of 160 reviewers that rated this feature as important or highly important Keeps you informed about every transaction, login, or payment activity with instant notifications. This feature improves financial oversight and helps detect fraud early, especially for businesses managing frequent transactions. 40 reviewers rated this feature Receive data and information in real time 89.77% of 352 reviewers that rated this feature as important or highly important Active monitoring of systems, applications, or networks 79.17% of 24 reviewers that rated this feature as important or highly important Upload, track, and submit receipts in a central database 44.09% of 279 reviewers that rated this feature as important or highly important Generate recurring invoices 45.12% of 82 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service 46.35% of 507 reviewers that rated this feature as important or highly important Oversee the process of issuing refunds 62.33% of 215 reviewers that rated this feature as important or highly important Timed notification for any upcoming task, deadline, appointment, or activity 60.00% of 5 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data 46.58% of 438 reviewers that rated this feature as important or highly important Track and facilitate returns of products sold 55.73% of 253 reviewers that rated this feature as important or highly important Analyze potential risks across the organization 77.78% of 9 reviewers that rated this feature as important or highly important Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties 37.70% of 61 reviewers that rated this feature as important or highly important Set & manage permission levels based on user roles and restrict access to only authorized individuals 9.09% of 11 reviewers that rated this feature as important or highly important Reports specific to sales analysis for trends and strategies 45.16% of 31 reviewers that rated this feature as important or highly important Calculation of consumption tax imposed on the sale of goods/services 47.37% of 19 reviewers that rated this feature as important or highly important Set a time to generate routine reports automatically 63.64% of 11 reviewers that rated this feature as important or highly important Search and filter data across systems to locate required information by entering keywords or certain criteria 68.42% of 19 reviewers that rated this feature as important or highly important Online portal through which end users can access the system, manage tasks, or obtain information 57.14% of 70 reviewers that rated this feature as important or highly important Generate or print labels that contain shipping information for packages 0% of 0 reviewers... Manage and track orders being shipped to customers 36.09% of 230 reviewers that rated this feature as important or highly important Integrate with social media platforms such as Facebook, Twitter, LinkedIn, etc. 44.44% of 198 reviewers that rated this feature as important or highly important Track the status over time for a request, process, asset, or transaction 72.73% of 11 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period 69.08% of 207 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities 80.86% of 862 reviewers that rated this feature as important or highly important Allows manual entry of card payments directly from a browser, making it easier to accept payments over the phone or in person without a physical card reader. Ideal for service-based businesses or remote billing scenarios. 0 reviewers rated this feature Get Advice We can help you find the software with the features you need. Preksha Buttan PayPal’s top-rated features help businesses stay responsive and in control of their digital payments. Real-time alerts, mobile access, and secure processing combine to support fast decision-making and reliable financial operations across teams. Features 4.6 (26,272) 4.6 Based on 26,272 reviews ## Pricing Value for money 4.5 (20142) PayPal’s virtual terminal starts at $30 per month, with transaction fees of 3.39% plus $0.29 per card payment. PayPal and Venmo transactions cost 3.49% plus $0.49, while Pay Later adds 4.99% plus $0.49. This pricing is higher than the SMB average of $136 monthly and scales with transaction volume. 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 (20,142) 4.5 Based on 20,142 reviews ## Integrations PayPal connects with a mix of eCommerce, billing, and payment platforms through native and third-party links. These integrations support online selling, invoicing, and mobile payments, helping SMBs streamline checkouts and financial workflows. Popular 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/)[ Xero](https://www.capterra.com/p/120109/Xero/) Preksha Buttan Senior Content Analyst Connecting PayPal with eCommerce and billing platforms helps your finance lead reduce manual entry, unify payment tracking, and speed up reconciliation—especially when managing multiple storefronts or recurring transactions. 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 (20399) 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 (20,399) 4.2 Based on 20,399 reviews ## User reviews Overall rating 4.6 Based on 26,304 reviews Filter by rating 5(19471) 4(5255) 3(1056) 2(204) 1(318) Mentioned topic Sorted by most recent AU Anonymous User Operations Lead Security and Investigations ### "My preferred method- Paypal is great!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 8, 2026 My overall experience is positive - and I really respect and prefer to use this product in 100% of my transactions when it is available. Pros I enjoy the ease of use of Paypal. It always links to my accounts and my transactions appear immediately. It feels safe and when I have an issue I am able to cancel transactions and request refunds when a vendor is suspicious or has been unfair or a scam. Cons I did have 1 incident where paypal was hard to reach concerning my issue and I had to write for help - I would really appreciate an easier to reach call center Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Alex D. Owner Cosmetics ### "PayPal overall experience " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 8, 2026 Good, I have been using PayPal for myself and the business for over 18 years. We also use Braintree by PayPal for the business Pros Customer Support, Ease of Use, Invoicing, Customization. Those are some of the best feature for us. Cons fees for processing and transactions are high, sometimes security can be an issue but overall especially for business transactions we never had an issue. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. EG Emily G. Bookkeeper Accounting ### "Great software, once you're all setup" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 April 8, 2026 Easy to use as a bookkeeper and keep it running alongside your accounting software. Getting a bank feed set up is best! Pros It's really simply laid out on the web so you can easily see what's getting paid out and refunded in. As well as the ability to add a feed to Xero which will send everything in, love that. It's also good to see which account a payment has come from if a client uses more than on bank account. Reports are in-depth too Cons I can't see anywhere that you can get a running balance of what you have sitting in your PayPal or holding accounts apart from your current balance. So it's hard to double check something in the past is correct. There are reports where you can see all transactions but they take a while to understand Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CW Carrie W. Author Writing and Editing ### "Easy, flexible and great for many uses" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 7, 2026 Overall, Paypal is my go-to for sending and receiving money. I've used it for personal and professional purposes and it has never disappointed. Pros I like the convenience of being able to easily send/receive money both from friends and family but also for business. It's super convenient to be able to connect more than one email account. I've also found the invoice function handy in my business. I also like that you can opt to only transfer a portion of your balance to your bank account at any given time. Cons It takes a little bit of digging to get past the closest transactions and I feel like there might be a better way to organize purchases and incoming money (especially when it's possible to have it coming from different sources) Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. WD Will D. Director Mental Health Care ### "Decent for basic payments" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 6/10 April 6, 2026 Decent use for connecting with varying consumers purchases, basic uses are helpful, and give access to quick payments Pros Ease of being paid, and use between accounts for moving around funds for making payments, and using the PayPal card if chosen. Cons Feels often like it is hacked or use by scammers for taking advantage of people who have accounts and security is low. 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. Ashley P. Founder Venture Capital & Private Equity ### "PayPal Rocks!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 6, 2026 Pros PayPal’s effective assistance with saving and financial management helps to keep track with budgeting and spending. Cons There are no notable cons or constructive critical feedback that I can give at this moment, which means I enjoy using PayPalal exponentially. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MC Melissa c. Lash extension supplier Retail ### "PayPal all the way" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 6, 2026 I have always had a positive experience with PayPal it is so easy to use and integrate into websites and using it for purchases Pros I have always used PayPal as I feel it is a lot safer when ordering products from overseas as there is more protection and I have also integrated it into my websites and booking apps due to its ease of use and accessible invoicing , refunds , customer support , bugs and issues value for money and customization. Cons I have never had any issues with PayPal so I can not say that there is anything that I dislike fortunately Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. HR Haley R. registrar Hospital & Health Care ### "PayPal Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 7/10 April 5, 2026 Sending and receiving money is so easy, and I love that it works almost anywhere online. Whether I’m buying something from a small shop or splitting a bill with friends, it’s just a few clicks away. Overall, PayPal has made my online transactions a lot smoother, and I really can’t complain! Pros I've been using PayPal for a while now, and I have to say, I really appreciate its buyer and seller protections. There’s something reassuring about knowing that my financial details stay hidden from merchants. It makes me feel a lot safer when making purchases online. Cons I’ve been using PayPal for a while now, and while I appreciate its convenience, I have to say that reaching their customer support can be quite frustrating. More often than not, it feels like I’m stuck in a never-ending loop of automated responses before I can actually speak to a real person. When I finally do get through, the resolution times can be pretty lengthy, leaving me feeling like my issues aren’t being prioritized. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. HK Heidi K. Freelancer Health, Wellness and Fitness ### "Experiences with Paypal" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 2.0 2.0 Likelihood to Recommend 7/10 April 4, 2026 My overall experience with PayPal has been good. It’s simple, secure, and works well for everyday payments, though the fees and support could be improved Pros \- Easy to use. - Widely accepted. - Secure and reliable. - Fast transfers. - Simple invoicing. - Refunds: Strong buyer protection Cons \- High fees - Slow or automated support - Unclear account limitations - Limited customization - Disputes can feel one‑sided Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KW Kate W. Office Manager Sports ### "Trusted brand to offer customers" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 10/10 April 3, 2026 Easy to use, there are some issues with delays but otherwise a simple and user friendly experience as a customer and business. Pros I like using a trusted brand that is recognized worldwide and is something that customers are familar with and happy using. Cons The security can be over cautious causing delays to payments, sometimes for long periods of time. It can be hard to speak to support or customer service. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing PayPal We chose it in addition to our main software 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/) ## FAQs Yes, you can cancel a payment if it’s still pending or unclaimed. Once the payment is accepted or completed, cancellation is no longer possible. You may need to request a refund from the recipient. To receive money, share your PayPal email address or payment link. Funds sent to your account will appear in your PayPal balance, and you can transfer them to your bank or use them for purchases. PayPal supports payments via debit and credit cards, PayPal balance, Pay Later, Venmo, and linked bank accounts. You can also accept payments in multiple currencies and through QR codes. Yes, PayPal allows international transfers to over 200 markets. Currency conversion fees apply, and the recipient must have a PayPal account in a supported country. Refunds can be issued by the seller or requested through the Resolution Center. Once processed, refunds typically return to the original payment method within 3–5 business days. ### Have more questions? Connect with one of our advisors for a free consultation and save time in your software search. ## Sources - **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. [Learn more about how we source our data](https://www.capterra.com/resources/proprietary-data-research/). - **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology here](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). - This product information came from PayPal’s own online content in September 2025, including the product's website and its social media channels. ## Related reading ### [5 Key Payment Processing Software Features and Top Products That Offer Them](https://www.capterra.com/resources/key-payment-processing-software-features/) Published September 4, 2024 by [Shephalii Kapoor](https://www.capterra.com/resources/author/skapoor/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [5 Key Features of Billing and Invoicing Software and Top Products That Offer Them](https://www.capterra.com/resources/key-features-of-billing-and-invoicing-software/) Published April 11, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) ### [Your Essential Guide to PayPal Software](https://www.capterra.com/resources/what-is-paypal/) Published August 12, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) and [Rina Rai](https://www.capterra.com/resources/author/rina-rai/) ### [As SMBs Move Away From Cash, FedNow Foreshadows the Shift to Real-Time Payments](https://www.capterra.com/resources/digital-payments/) Published October 5, 2023 by [Max Lillard](https://www.capterra.com/resources/author/max-lillard/) Popular comparisons [Stripe vs PayPal](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal)[Square Point of Sale vs PayPal](https://www.capterra.com/compare/207944-275802/PayPal-vs-Square-Point-of-Sale)[QuickBooks Online vs PayPal](https://www.capterra.com/compare/190778-207944/QuickBooks-Online-vs-PayPal)[NetSuite vs PayPal](https://www.capterra.com/compare/135757-207944/NetSuite-vs-PayPal)[Epos Now vs PayPal](https://www.capterra.com/compare/152638-207944/Epos-Now-vs-PayPal)[authorize.net vs PayPal](https://www.capterra.com/compare/207944-221412/PayPal-vs-authorizenet)[Stax vs PayPal](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal)[Clover vs PayPal](https://www.capterra.com/compare/207944-226864/PayPal-vs-Clover) [Afterpay vs PayPal](https://www.capterra.com/compare/207944-229452/PayPal-vs-Afterpay)[Shopify vs PayPal](https://www.capterra.com/compare/83891-207944/Shopify-vs-PayPal)[QuickBooks Enterprise vs PayPal](https://www.capterra.com/compare/174984-207944/QuickBooks-Enterprise-vs-PayPal)[Wave vs PayPal](https://www.capterra.com/compare/178021-207944/Wave-Apps-vs-PayPal)[PaySimple vs PayPal](https://www.capterra.com/compare/146664-207944/PaySimple-vs-PayPal)[BILL Accounts Payable & Receivable vs PayPal](https://www.capterra.com/compare/166559-207944/BILL-vs-PayPal)[Heartland Payments+ vs PayPal](https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal)[FreshBooks vs PayPal](https://www.capterra.com/compare/142390-207944/FreshBooks-vs-PayPal)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)