---
title: "PayPal Software Pricing, Alternatives & More 2026 | Capterra"
description: "With the help of Capterra, learn about PayPal 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"
---

# 

 PayPal Software Review 2026: Features, Integrations, Pros & Cons

Last updated on August 26, 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

## What is PayPal?

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 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 26,610 user reviews

Reviews sentiment

Positive

94%

Neutral

4%

Negative

2%

Pros & cons

Intuitive and accessible interface

Secure payment experience

High and confusing transaction fees

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?[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 (26,610)

VS.

[3.8 (727)](https://www.capterra.com/p/152638/Epos-Now/reviews/)

Starting Price

$0.09

Other

Starting Price

$349

Flat Rate, One Time

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

4.6 (26,588)

Ease Of Use

3.8 (3,361)

Value For Money

4.5 (20,430)

Value For Money

3.6 (2,562)

Customer Service

4.2 (20,687)

Customer Service

3.6 (2,310)

## PayPal alternatives

Highest Rated

[Stripe](https://www.capterra.com/p/123889/Stripe/)

[4.6 (3,372)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

93%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/123889/Stripe/)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)

[4.6 (3,033)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

94%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/275802/Square-Point-of-Sale/)

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)

[4.3 (8,514)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

Starting price

$38.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

86%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/190778/QuickBooks-Online/)

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)

[4.2 (2,063)](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

[Learn More](https://www.capterra.com/p/135757/NetSuite/)

[View all alternatives](https://www.capterra.com/p/207944/PayPal/alternatives/)

## FAQs about PayPal

Overview

### What problems does PayPal solve?

PayPal solves slow, risky, and fragmented payment workflows by letting businesses send invoices, collect recurring or one-time payments, transfer funds quickly, and track every transaction in one place. Small businesses, freelancers, e-commerce sellers, and remote teams benefit most from faster checkout, stronger buyer protection, and less manual billing or bank-detail sharing.

Answer based on 19072 reviews

Overview

### Which roles and teams benefit most from PayPal?

PayPal is most used by small business owners, founders, and executives who need fast payment collection, invoicing, and cash flow visibility. Freelancers, designers, consultants, and photographers rely on it to bill clients and accept remote payments, while managers, accountants, and office teams use it to track transactions, reimburse expenses, and support online sales.

Answer based on 26424 reviews

Overview

### What company size and industries is PayPal built for?

PayPal is built primarily for small businesses and eCommerce operations, with 74% of reviewers from small companies. It also serves enterprises at 15% and midsize businesses at 11%. Reviewer adoption is most common in Education Management, Information Technology and Services, and Marketing and Advertising, each representing 5%.

Answer based on 26520 reviews

Features and Usability

### What are the key features of PayPal?

PayPal includes core payment features like online payments, credit card processing, money transfers, and multi-currency support. Reviewers also highlight invoice creation, payment links, refunds, and transaction history for daily operations. Differentiating features include buyer protection, fraud detection, two-factor authentication, and mobile payments through the app and card reader.

Answer based on 14177 reviews

Integrations

### Which third-party tools and platforms does PayPal integrate with?

PayPal integrates with WordPress, WooCommerce, Shopify, Venmo, Cash App, Google Pay, Wix, and Gravity Forms, with reviewer-confirmed use across ecommerce sites and website builders. PayPal also supports over 50 integrations, including BigCommerce, QuickBooks Online, Gmail, and Microsoft Excel for payments, checkout, and business workflows.

Answer based on 3093 reviews

Getting Started and Support

### How easy is it to onboard and train a team on PayPal?

PayPal is generally quick to onboard for most teams, with a simple interface supported by documentation and video tutorials. Reviewers say frontline staff, small businesses, and nontechnical users often get started with little training, while admins and developers may need more time for integrations, invoicing setups, and advanced configuration.

Answer based on 104 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, a knowledge base, phone support, and chat. Users often describe support as helpful, fast, and effective once connected, especially for disputes and account issues. Common frustrations include automated responses, inconsistent agent communication, long callback or reply times, and difficulty reaching a live representative.

Answer based on 4339 reviews

Security

### How does PayPal handle data security and access control?

PayPal uses encryption, two-step authentication, passwords, fingerprint or biometric login, device recognition, security alerts, and identity verification checks to protect personal and financial data. It also limits sharing card or bank details with sellers and offers buyer, seller, dispute, and fraud protection. Some reviewers find verifications, holds, and account locks frustrating.

Answer based on 2516 reviews

Payments

### How well does PayPal handle online payments?

PayPal handles online payments well for everyday business and personal use, especially when speed, trust, and broad acceptance matter. Freelancers, small businesses, and online sellers value easy invoicing, payment tracking, and international transfers, though fees, occasional account reviews, and support delays can create friction for some transactions.

Answer based on 14177 reviews

## 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 and accessible interface

95% positive reviews out of 6147

Most reviewers describe ease of use as essential, appreciating simple navigation and quick setup for all experience levels.

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 2817

Most users comment that fees are costly and unpredictable, especially for small businesses and international or frequent transactions.

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 payment experience

96% positive reviews out of 888

Most users report safe transactions, valuing strong security measures and confidence when sharing financial information online.

Inconsistent fraud resolution process

66% negative reviews out of 1153

Some reviewers indicate fraud protection is unreliable, citing slow dispute handling and difficulty recovering funds after scams.

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 693

Most reviewers find reliability crucial, consistently experiencing dependable service for both business and personal transactions.

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 814

Some reviewers find country availability restrictive, noting service limitations, account restrictions, and missing features 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 17,379 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%**)
-   **Debit/Credit Card Processing** (**52%**)

PayPal supports all three of the features reviewers value most: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect transaction information, accept payments through digital channels, and process card payments reliably, allowing teams to manage payments more efficiently and support a smoother checkout experience.

Data Security

4.6 (3,201)

66.95% of 3201 reviewers that rated this feature as important or highly important

PayPal offers strong encryption, two-factor authentication, and fraud monitoring to keep your financial data safe. Reviewers highlight the sense of trust, privacy, and protection, though a few report issues with chargebacks and occasional account access concerns.

Online Payments

4.7 (3,794)

65.68% of 3794 reviewers that rated this feature as important or highly important

With this capability, you can make fast, secure payments globally, shop online, and transfer funds easily. Reviewers appreciate the convenience, broad merchant acceptance, security, and seamless website integration, though some mention limited acceptance at certain sites.

Debit/Credit Card Processing

4.5 (1,955)

55.75% of 1955 reviewers that rated this feature as important or highly important

You can link debit and credit cards for secure, fast payments and withdrawals worldwide. Reviewers appreciate the convenience, broad card acceptance, and low setup costs, but some mention occasional linking issues and high fees for certain transactions.

Payment Fraud Prevention

4.5 (2,752)

64.28% of 2752 reviewers that rated this feature as important or highly important

Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc.

Mobile Payments

4.6 (2,732)

63.25% of 2732 reviewers that rated this feature as important or highly important

PayPal offers you the flexibility to send, receive, and manage money from your phone anytime, anywhere. Users think the mobile app is user-friendly, secure, and reliable, making transactions quick and convenient, with barcode and QR code options widely praised.

Payment Processing

4.6 (3,467)

63.51% of 3467 reviewers that rated this feature as important or highly important

It gives you fast, automated, and secure payment transfers for both businesses and individuals. Reviewers appreciate instant transactions, multiple payment options, and easy integration, but some mention occasional payment holds and delays in fund availability.

PayPal 96 features

Define levels of authorization for access to specific files or systems

Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc.

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Dashboard to view the status of ongoing processes, identify current incidents and track past activities

Generate one-off reports that meet information requirements

Software program that continuously adjusts its behavior based on observed data

Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges

Automatically identify unusual behavior

Application programming interface that allows for integration with other systems/databases

Verify the identity of users/devices to enable secure access

Scan barcodes to ensure accurate pricing and label tracking

Create, manage, and send invoices or bills to customers

Gateway through which end users can view past bills and pay current invoices

Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances

Detection of fraudulent checks to prevent financial losses

Track and manage adherence to policies for any service, product, process, or supplier

Centralized database of stakeholders and their contact information such as names, address, phone number etc.

Accept and process credit card transactions

Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system

Alter the layout and content of dashboards

Invoices that can be tailored according to company's branding, payment terms and personalized information

Import and export data to and from software applications

Ability to handle large datasets

PayPal offers strong encryption, two-factor authentication, and fraud monitoring to keep your financial data safe. Reviewers highlight the sense of trust, privacy, and protection, though a few report issues with chargebacks and occasional account access concerns.

Graphical representation of data

You can link debit and credit cards for secure, fast payments and withdrawals worldwide. Reviewers appreciate the convenience, broad card acceptance, and low setup costs, but some mention occasional linking issues and high fees for certain transactions.

Buyer isn't billed until the period is up without any interest charges

Allows customers to check out with wallet payment methods that digitally store credit and debit cards

Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products

Transfer of data from one computer system to another

Electronically collect payments for goods or services

Digitally sign online documents

Monitor and record expenses such as purchases or charges incurred

Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk

Plan, manage, and track the financial activities of an individual or organization

Generate reports to assess the financial performance of an organization

Intended to be used by banks

Intended to be used by online stores

Designed for food trucks

For Retail Stores

Designed for small businesses

Identify and prevent suspicious activity

Transactions that typically involve face-to-face interactions between the payer and the payee

Monitoring employee behavior for suspicious activity to detect internal fraud

Track and manage inventory levels to maintain proper supply

Create invoices from scratch or have recurring invoices

Store and view prior invoices for each account/client

Captures invoice data and maintains comprehensive records for auditing and reporting purposes

Creation, processing, verification, and execution of invoices till the payment is made

Reports specific to marketing and associated campaigns

Access software remotely via mobile devices

PayPal offers you the flexibility to send, receive, and manage money from your phone anytime, anywhere. Users think the mobile app is user-friendly, secure, and reliable, making transactions quick and convenient, with barcode and QR code options widely praised.

Observe and track the demand, usage, progress or quality of a system, product, or user

Manage and handle various international currencies

Manage and support multiple locations

Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit

Process payments via multiple modes directly through the application

Create, send, and view electronic invoices

With this capability, you can make fast, secure payments globally, shop online, and transfer funds easily. Reviewers appreciate the convenience, broad merchant acceptance, security, and seamless website integration, though some mention limited acceptance at certain sites.

Manage and track customer orders for goods, investments, or any other purchases

Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc.

Integration with payment gateways to facilitate online transactions

Send clickable links via text or email to collect payments from customers

Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more

It gives you fast, automated, and secure payment transfers for both businesses and individuals. Reviewers appreciate instant transactions, multiple payment options, and easy integration, but some mention occasional payment holds and delays in fund availability.

Track sent and received payments, invoices, and bills.

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

Organize and manage the accomplishments and development of employees or performance of applications or systems

Accept and process customer payments for products or services using hardware and software

Present a catalog of inventory that customers can view

Estimate or forecast of a future scenario based on the study of present trends

Design, communicate, and distribute incentives to perform a specific action

Receive notification of issues as soon as they occur

Receive data and information in real time

Active monitoring of systems, applications, or networks

Upload, track, and submit receipts in a central database

Generate recurring invoices

Automated process of charging customers at regular intervals for repeated access or use of a product or service

Oversee the process of issuing refunds

Timed notification for any upcoming task, deadline, appointment, or activity

View and track pertinent metrics to find patterns and gain insights from data

Track and facilitate returns of products sold

Analyze potential risks across the organization

Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties

Set & manage permission levels based on user roles and restrict access to only authorized individuals

Reports specific to sales analysis for trends and strategies

Calculation of consumption tax imposed on the sale of goods/services

Set a time to generate routine reports automatically

Search and filter data across systems to locate required information by entering keywords or certain criteria

Online portal through which end users can access the system, manage tasks, or obtain information

Generate or print labels that contain shipping information for packages

Manage and track orders being shipped to customers

Integrate with social media platforms such as Facebook, Twitter, LinkedIn, etc.

Track the status over time for a request, process, asset, or transaction

Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period

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 (26,578)

4.6

Based on 26,578 reviews

## Pricing

Value for money

4.5 (20430)

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 (20,430)

4.5

Based on 20,430 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](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 (20687)

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 (20,687)

4.2

Based on 20,687 reviews

## User reviews

Overall rating

4.6

Based on 26,610 reviews

Filter by rating

5(19673)

4(5334)

3(1075)

2(208)

1(320)

Mentioned topic

Sorted by most recent

LL

LaToya L.

Nurse

Hospital & Health Care

### "PayPal Review"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

4.0

4.0

Likelihood to Recommend

9/10

August 25, 2026

Overall, I’ve had good experience and have used PayPal for years and I like that vendors have this as a payment option.

Pros

The feature I like most is the accessibility to pay for things without having to enter in your credit card number. I also really like PayPal Credit.

Cons

The thing I like least is sometimes it is hard to reach a live person when you are calling Customer Service.

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.

MA

Md A.

Research Assistant

Higher Education

### "Easy and fast payout method"

4.0

Overall Rating

4.0

4.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

4.0

4.0

Likelihood to Recommend

8/10

August 24, 2026

Sending money abroad is easy and fast. Also, I can split bill which is very useful for restaurant bills.

Pros

I like to send money instant using PayPal. It is straightforward and the money gets instantly sent. But, the processing time keeps a good track of everything. I can even send money to different countries.

Cons

Free send to bank takes time, it needs improvement. Also, It needs more verification to use Paypal balance which is an extra hassle.

Switched from

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

For faster and better connectivity with friends and methods supported at different shops.

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.

ZS

Zachary S.

Physical Therapist

Health, Wellness and Fitness

### "Easy to use, good history tracking"

4.0

Overall Rating

4.0

4.0

Ease of Use

5.0

5.0

Features

3.0

3.0

Customer Service

3.0

3.0

Likelihood to Recommend

7/10

August 24, 2026

Overall it is easy to use once it is set up. I think sometimes the process is difficult and wish it was smoother to verify identity. I like that it is accepted all over across different services and companies.

Pros

Paypal is nice to use and I like that it is a universal way to pay for things. I have used it on ebay and etsy and not had many issues. It is easy to keep track of expenses and charges.

Cons

I don't like the identity verification process. It kept glitching when trying to upload a photo of myself. It took a long time. I get the extra security but I wish the process was more smooth.

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.

Aaron L.

Owner

Media Production

### "PayPal - Secure, easy to use money transfer."

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

August 24, 2026

I've used it often and found it very useful, easy to use and secure when recieving payments, purchasing products online and transfering funds.

Pros

Paypal is a secure way to send and recieve funds. It's free to send money to friends and family and very simple to access.

Cons

It's often just as easy to simply use banking or credit card services to pay for and recieve payments.

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.

Lucia C.

Owner

Writing and Editing

### "Easy and fast way to track your money"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

4.0

4.0

Likelihood to Recommend

9/10

August 24, 2026

It's great to keep track of your expenses and to keep part of your income separate from other accounts. Easy to use, quick to understand, and it doesn't require the app - which I really approve.

Pros

I like the fact that it's free and easy to manage, and every movement and update is on sight. I haven't used it for invoices, but it's quite common for transactions between friends and relatives.

Cons

I've often received suspicious emails that I couldn't trust because they were unprompted or looked like not from PayPal - not sure if this means PayPal has security issues or simply manages non-standard emails differently. It's also blocked my funds once, which prevented me from being paid by a client.

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.

DC

Deborah C.

Administration

Non-Profit Organization Management

### "Paypal Review "

4.0

Overall Rating

4.0

4.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

0.0

0.0

Likelihood to Recommend

8/10

August 24, 2026

Pros

We could streamline billings and sending invoices to our clients without having to put their info each time. It was easy to use, intuitive, and saved us ton of time.

Cons

We would like to see how we could lower the processing fee for our clients online card transactions.

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.

MK

Misty K.

Owner

Marketing and Advertising

### "Not my favorite "

3.0

Overall Rating

3.0

3.0

Ease of Use

2.0

2.0

Features

4.0

4.0

Customer Service

1.0

1.0

Likelihood to Recommend

5/10

August 23, 2026

I don't hate it, but don't love it. It frustrates me a lot. Ease of use, fees, time for payout. It is just frustrating.

Pros

That most business sites have the option to use it at checkout, which lets you utilize any existing balances.

Cons

That it constantly denied my payments to others unless it is a credit card even though there are always funds in the account. How long they hold payment payouts when used for business invoices. It is just not easy to use at all.

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.

Durand T.

Power User

Financial Services

### "Easy and versatile online payment option"

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

9/10

August 23, 2026

Pros

Ease of use and it is increasingly available with online merchants. Also you have the option of loading money and having them send you a debit card that supports mobile pay.

Cons

Not every bank will pair with it. If you have a gift card or rewards card of some kind, Paypal may not cooperate with the bank that backs it.

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.

Jen F.

Consultant

Cosmetics

### "Confidently You Review"

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

August 23, 2026

I am very happy with PayPal. They do there best to help with companies if they are not wanting to refund on something you did not get or not holding up to there refund policy. PayPal will help stick to the refund guidelines. It is amazing help.

Pros

PayPal is so versatile it can be used with so many company's and to send money to friends and family. You can even pay for items you have bought from people.

Cons

There are a few companies that I have found that do not offer PayPal to pay with. There a a few companies that are not set up on the PayPal payment plan.

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.

EM

Elizabeth M.

Owner

Arts and Crafts

### "This is a Must have"

3.0

Overall Rating

3.0

3.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

4.0

4.0

Likelihood to Recommend

10/10

August 23, 2026

I actually love the convenience of PayPal and security features they have already. Very helpful customer service also

Pros

What I liked most about PayPal is it's easy to use. I'm 52, computers are not my strong suit. It's also linked to a lot of pay out games I play.

Cons

What I don't like about PayPal is when you have a account that went business it charges you every single time you transfer funds.

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/)

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