# What Is PayPal? | Capterra > This comprehensive guide covers everything you need to make an informed decision before investing in one or more PayPal products. Source: https://www.capterra.com/resources/what-is-paypal --- # Your Essential Guide to PayPal Software Written by: Barkha Bali Barkha BaliAuthor Senior Writer Experience I’ve been writing for Capterra since August 2021, providing expert insights to help small and midsize businesses (SMBs) find the rig... [See bio & all articles](https://www.capterra.com/resources/author/bbali/) and edited by: Rina Rai Rina RaiEditor Rina is a senior editor at Capterra. She has close to a decade of experience creating and editing content, especially for the IT, software, and finance domai... [See bio & all articles](https://www.capterra.com/resources/author/rina-rai/) Published August 12, 2024 26 min read Table of Contents - [What is PayPal?](#what-is-paypal) - [1\. PayPal payment processing software](#1-paypal-payment-processing-software) - [2\. PayPal billing and invoicing software](#2-paypal-billing-and-invoicing-software) - [3\. PayPal mobile credit card processing software](#3-paypal-mobile-credit-card-processing-software) - [4\. Other PayPal software products](#4-other-paypal-software-products) - [Learn more about PayPal](#learn-more-about-paypal) - [Need more help comparing PayPal products?](#need-more-help-comparing-paypal-products) PayPal products[\*](#methodology) are among the most recognized tools on the software market. They feature in [Capterra Shortlist](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology) rankings of high-performing products for multiple software categories. However, a portfolio of 11 products and counting makes it tough to decide which PayPal software would best suit your business goals. For instance, how do you choose between two products with similar functionality? Which would fit best with your existing tech stack? What are software reviewers saying? To help you answer these questions and identify the best PayPal software for your needs, we delved into our proprietary reviews data and research to show you what software buyers think about PayPal products, what each product has to offer, and how they might differ. Fast facts about PayPal PayPal Holdings, Inc. has its corporate headquarters in San Jose, California. - **Founded:** December 1998 - **Founders:** Peter Thiel, Max Levchin, Luke Nosek, Ken Howery, and Yu Pan - **Customer base:** More than 426 million customers in over 100 countries - **Revenue:** $29.8 billion in FY 2023 _Source: Paypal.com_ ## What is PayPal? PayPal is an American multinational financial technology company. Its products cater to various business functions and, most notably, help individuals, small businesses, and large enterprises facilitate online payments, manage transactions, and enhance financial operations. ### Categorizing PayPal’s eleven products We’ve classified PayPal’s eleven products on Capterra, as of May 2024, into three categories: - Payment processing software - Billing and invoicing software - Mobile credit card processing software  Our categorization is based on our internal database of software features and functionality. ## 1\. PayPal payment processing software [Payment processing software](https://www.capterra.com/payment-processing-software/) provides a secure digital platform for businesses to accept and manage online payments. It supports various payment methods, such as credit cards, debit cards, mobile wallets, and bank transfers. Most tools include multicurrency support for international payments, fraud detection and prevention to protect transactions, and reporting to analyze transaction histories, payment trends, and financial performance, among other metrics. Below, we’ll break down PayPal’s seven payment processing solutions. Each solution offers the core features we’d expect in a payment processing system: payment processing, data security, and reporting/analytics. ### Most reviewed PayPal payment processing software on Capterra We have ample reviews data (between May 2022 - May 2024) for the products below to share in-depth descriptions of user characteristics (e.g., business size and industry), negative and positive feedback sentiment, and common software integrations.[\*\*](#methodology) ### [PayPal](https://www.capterra.com/p/207944/PayPal/) PayPal is a payment processing platform for individuals and businesses. It operates as a digital wallet, providing a secure method for making online transactions. The software allows users to accept payments via PayPal balance, credit cards, debit cards, and digital wallets (Google Pay and Apple Pay). PayPal protects users' financial information with two-factor authentication, encryption, and fraud prevention technology. It offers integration capabilities with various eCommerce platforms and websites, simplifying the checkout process for online shoppers. **Customer support options:** Call, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty **PayPal is a top-rated product appearing in six Capterra Shortlist reports:** Billing and Invoicing, Payment Processing, Point of Sale, Recurring Billing, Restaurant POS, and Retail POS #### Who commonly uses PayPal? We analyzed 3,581 verified user reviews of PayPal on Capterra for the following user industry breakdown: Manufacturing is the leading sector, constituting 15% of PayPal’s user base, followed by retail and consumer goods and services at 12% and professional services at 11%. We also analyzed reviews data to determine the sizes of businesses using PayPal. Businesses with up to 200 employees make up 76% of PayPal software users, while 24% of users are from organizations with 200+ employees. #### What do reviewers think about PayPal? We analyzed reviews from 3,581 verified users of PayPal. Using a natural language processing (NLP) model, we detected topics raised by reviewers in freeform responses and assigned a sentiment scoreto each topic. The tables below list the three topics with the highest positive and negative user sentiment. Aspects of PayPal that reviewers feel most positively about: **Aspect** **Average sentiment score** **User review excerpt** Secure payments 9.3/10 _“In our company it provides us with a secure platform to receive payments from our customers with total confidentiality of their transactions and financial information.”_ Automated payments 8.3/10 _“Most important is the ability to set up automatic payments so that my clients can set it and forget it while I am able to create a steady stream of income.”_ Invoice management 8/10 _“I love PAYPAL because I can send my clients invoices within the platform's website weekly, and I get alerts to my email with every transaction.”_ Aspects of PayPal that reviewers find lacking: **Aspect** **Average sentiment score** **User review excerpt** Transaction fees 2.3/10 _“One potential drawback of the PayPal app is that it does charge fees for certain types of transactions, such as sending money internationally or receiving payments from certain types of accounts.”_ Performance issue 3.8/10 _“Almost every time I worked with the app I found that there was some sort of glitch if not the entire app crashing on me when trying to work with it.”_ Customer service 5.1/10 _“A more common concern, nonetheless, is the lack of sufficient care and attention provided by the customer service; enthusiastic support for such grave situations and cases as well as swifter response in resolving disputes, where one may potentially experience frozen or delayed funds, would also be much appreciated.”_ Read all PayPal reviews [here](https://www.capterra.com/p/207944/PayPal/reviews/). #### What are the common integrations for PayPal? The three most common PayPal integrations, based on our proprietary reviews data, are: - **Shopify:** Integration with Shopify, an eCommerce platform, allows merchants to accept payments via PayPal, providing a trusted and secure payment method for their customers. It helps merchants streamline the checkout process, reduce cart abandonment rates, and offers buyers the flexibility to pay with their PayPal account or through other methods linked to PayPal. - **QuickBooks Online:** Accounting software QuickBooks Online integrates with PayPal to allow businesses to sync transactions and import sales data, expenses, and fees into their accounting software. It helps maintain accurate financial records, reduce manual data entry, and streamline reconciliation. - **Wix:** Website builder Wix integrates with PayPal to enable business owners to incorporate PayPal as a payment option directly into their online stores and services. The integration simplifies checkout, potentially boosting conversion rates and reducing cart abandonment. ### [Venmo](https://www.capterra.com/p/222572/Venmo-/) Venmo is a digital wallet and payment processing platform that supports peer-to-peer (P2P) and business transactions. Its mobile app lets users send and receive money using a linked bank account, debit card, or Venmo balance. Users can create profiles to accept direct payments, allowing them to pay for goods and services from the app. Users can choose to store the received fund as a balance within the app, or they can cash it out immediately. Additionally, they can add a bill on Venmo, specify the number of people involved, and adjust individual amounts, such as covering a friend's share. The tool auto-calculates each person's portion and enables them to make payments from within the app. **Customer support options:** Call, email, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty **Venmo is a top-rated product appearing in one Capterra Shortlist report:** Payment Processing #### Who commonly uses Venmo? We analyzed 978 verified user reviews of Venmo on Capterra for the following user industry breakdown: 15% of Venmo’s users are from the retail and consumer goods and services industry. According to PayPal, businesses within this industry such as Walmart and Pressed use Venmo for payment processing.[\[1\]](#sources) We also analyzed reviews data to determine the sizes of businesses using Venmo. Seventy-two percent of Venmo users come from businesses with 200 or fewer employees, compared to 28% of users from organizations with 200+ employees. #### What do reviewers think about Venmo? We analyzed reviews from 978 verified users of Venmo. Using a natural language processing (NLP) model, we detected topics raised by reviewers in freeform responses and assigned a sentiment scoreto each topic. The tables below list the three topics with the highest positive and negative user sentiment. Aspects of Venmo that reviewers feel most positively about: **Aspect** **Average sentiment score** **User review excerpt** Secure payments 7.8/10 _“Venmo has provided me with a very great user experience in that they are quick most of the time (sometimes nearly instantaneous), secure, (they take privacy very seriously). It was tremendously beneficial to streamline the process and make it simple for attendees to make payments at events by using Venmo.”_ Online payments 7.8/10 _“We host dozens of events every year and Venmo allows us the flexibility to accept payment on the fly and to pay gratuity to our performers by their preferred payment method.”_ Money transfers 6.9/10 _“The app also offers a feature called ‘Instant Transfer’, which allows you to transfer money to your bank account in minutes, instead of waiting for the typical 3-5 business days.”_ Aspects of Venmo that reviewers find lacking: **Aspect** **Average sentiment score** **User review excerpt** News feed 3.0/10 _"I honestly don't like the news feed thing - where you can see everyone's info that's in your contact list, I just don't think it's appropriate or I'm not sure they are aware of it.”_ Mobile payments 4.6/10 _“What really makes using Venmo difficult is that sometimes the process of payment using a mobile phone is much slower than using a laptop so I would like to be more faster in the future.”_ Issue resolution 4.6/10 _“If any error occurs in the batch it is difficult to solve this problem and takes a lot of time and this is what makes you more accurate to avoid these problems.”_ Read all Venmo reviews [here](https://www.capterra.com/p/222572/Venmo-/reviews/). #### What are the common integrations for Venmo? The two most common Venmo integrations, based on our proprietary reviews data, are: - **Meta for Business:** Integrating Venmo with Meta for Business, a business management platform, allows businesses on Meta platforms (such as Facebook and Instagram) to accept payments via Venmo, simplifying payment processing. The integration also benefits from Venmo's social payment features, such as payment sharing and social feeds, which can increase brand visibility and customer engagement on Meta's platforms.  - **Shopify:** This integration allows Shopify merchants to offer Venmo as a payment option at checkout. By integrating Venmo, Shopify stores can provide a seamless and convenient payment experience to customers. ### [PayPal Checkout](https://www.capterra.com/p/10008504/PayPal-Checkout/) PayPal Checkout, formerly known as PayPal Plus, is a payment processing add-on that allows businesses to accept payments from customers online. Its payment buttons dynamically present the most relevant payment methods to customers based on their location and preferences. These methods include PayPal balance, PayPal Credit, bank accounts, credit cards, and debit cards. Users can also customize the PayPal Checkout button’s shape, color, and language to ensure a consistent and localized user experience. **Customer support options:** Call, email, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty #### Who commonly uses PayPal Checkout? We analyzed 43 verified user reviews of PayPal Checkout on Capterra for the following user industry breakdown: Professional services is the leading industry, constituting 19% of PayPal Checkout users, followed by manufacturing at 12% and retail and consumer goods and services at 9%. We also analyzed reviews data to determine the sizes of businesses using PayPal Checkout. Ninety-four percent of PayPal Checkout users are businesses with 200 or fewer employees, compared to 6% of businesses with 200+ employees. This suggests that the software is particularly popular among small-to-midsize companies, offering the right balance of features and affordability for the SMB segment. #### What do reviewers think about PayPal Checkout? We analyzed reviews from 43 verified users of PayPal Checkout. Using a natural language processing (NLP) model, we detected topics raised by reviewers in freeform responses and assigned a sentiment scoreto each topic. The tables below list the three topics with the highest positive and negative user sentiment. Aspects of PayPal Checkout that reviewers feel most positively about: **Aspect** **Average sentiment score** **User review excerpt** Security 10/10 _“What I loved about PayPal Checkout is its ease of use and the degree of security present.”_ Processing speed 10/10 _“Paypal is a fast and easy and very convenient payment processing system.”_ Mobile compatibility 10/10 _“PayPal Checkout is optimized for mobile devices, ensuring a seamless checkout experience for me who is fond of shopping on my smartphone and ipad.”_ Aspects of PayPal Checkout that reviewers find lacking: **Aspect** **Average sentiment score** **User review excerpt** Transaction fee 2/10 _“Transaction fee is the only drawback that I see using this. The price is a little steep considering they charge you to send money to anyone.”_ Bugs and glitches 3.3/10 _“What I like least about PayPal are the glitches in the app itself.”_ Downtime 4/10 _“It can go down for long periods, leaving customers without access to their accounts and funds.”_ Read all PayPal Checkout reviews [here](https://www.capterra.com/p/10008504/PayPal-Checkout/reviews/). #### What are the common integrations for PayPal Checkout? The two most common PayPal Checkout integrations, based on our proprietary reviews data, are: - **Squarespace:** Squarespace website builder software integrates with PayPal Checkout to allow website owners to accept payments via PayPal directly on their site. It provides customers with a secure and familiar payment option during checkout, increasing trust and potentially boosting sales. - **Setmore:** Integrating PayPal Checkout with Setmore, an online scheduling and appointment management platform, allows businesses to accept payments directly through PayPal when clients book appointments. This integration automates payment collection for businesses, reducing administrative tasks associated with manual invoicing and payment tracking. ### [Braintree](https://www.capterra.com/p/213069/Braintree/) As a payment processing solution from PayPal, Braintree enables users to accept payments via digital wallets (PayPal, Venmo, Apple Pay, Google Pay, and more), credit/debit cards, and bank transfers. The software helps manage memberships and set up recurring payments for businesses with subscription-based models. It uses machine learning to analyze transactions and identify fake IDs and suspicious behavior. It has a control panel that stores all transactions and lets users filter them by card type, created date, and settled date. Users can also view and resolve disputes, and generate custom reports related to fraud trends, customer behavior, and revenue patterns. **Customer support options:** Call, email, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty #### Who commonly uses Braintree? We analyzed 31 verified user reviews of Braintree on Capterra for the following user industry breakdown: The professional services industry accounts for 19% of Braintree users, representing a significant portion of Braintree's customer base. The manufacturing, and retail and consumer goods and services industries contribute 16% each, highlighting substantial usage within these sectors as well. We also analyzed reviews data to determine the sizes of businesses using Braintree. Businesses with 200 or fewer employees make up 82% of Braintree users, compared to 18% businesses with 200+ employees. This suggests Braintree is particularly popular among small-to-midsize companies, helping optimize their payment management efforts with limited resources.  #### What do reviewers think about Braintree? We don’t have enough reviewer commentary for Braintree to calculate its positive and negative sentiment scores. However, you may read all reviews for this product [here](https://www.capterra.com/p/213069/Braintree/reviews/). #### What are the common integrations for Braintree? The two most common Braintree integrations, based on our proprietary reviews data, are: - **WooCommerce:** Braintree offers a direct integration with WooCommerce, an eCommerce platform for WordPress. This integration allows WooCommerce store owners to accept payments through Braintree’s gateway, which supports various payment methods, including credit and debit cards, PayPal, and digital wallets (Apple Pay and Google Pay). - **Chargify:** Braintree's integration with Chargify, a subscription management platform, helps businesses manage recurring billing, handle complex subscription models, and process payments. ### Other PayPal payment processing software Below, we’ll cover three other PayPal payment processing software solutions you might consider. These platforms have fewer than 20 reviews in our software directory within the past two years (May 2022 - May 2024), so our product descriptions are based on vendor research instead of proprietary reviews data. ### [Hyperwallet](https://www.capterra.com/p/230310/Hyperwallet/)  Hyperwallet is a global payout platform designed to help businesses distribute payments to individuals and vendors worldwide. It helps businesses send payments to a large number of recipients across different countries and currencies. It offers a variety of payout methods, including bank deposits, prepaid cards, and cash pick-ups. #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty ### [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)  PayPal Commerce Platform provides a suite of tools that enables merchants to accept payments through various channels, such as online, in-app, and in-person. The platform supports various payment methods, including credit and debit cards, PayPal balance, and alternative payment options—digital wallets and local payment methods. #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty ### [PayPal PLUS](https://www.capterra.com/p/250314/Paypal-PLUS/)  Paypal PLUS is a payment solution for merchants in German and Latin American markets. It allows customers to pay via PayPal, credit card, direct debit, or invoice, thereby offering multiple payment options to suit different customer preferences. Error Could not fetch Product Information **For more resources on payment processing software selection, check out:** - [How To Adjust Your Payment Processes for Digital Payments](https://www.capterra.com/resources/digital-payments/)   - [Top 3 Accounting Challenges Small Businesses Are Facing](https://www.capterra.com/resources/common-accounting-problems/) ## 2\. PayPal billing and invoicing software [Billing and invoicing software](https://www.capterra.com/billing-and-invoicing-software/) solutions help automate and standardize the process of creating, sending, and managing invoices. They typically include customizable invoice templates, automated reminders for overdue payments, expense tracking capabilities, and integration with accounting systems. These tools often offer additional functionality, such as reporting and analytics, to help businesses monitor their financial health and make informed decisions. Below, we’ll break down the most reviewed PayPal billing and invoicing solution on Capterra. This product offers the core features we’d typically expect in billing and invoicing software: invoice creation, invoice history, and payment processing. ### Most reviewed PayPal billing and invoicing software on Capterra We have ample reviews data (between May 2022 - May 2024) for the product below to share in-depth descriptions of user characteristics (e.g., business size and industry), negative and positive feedback sentiment, and common software integrations.[\*\*](#methodology) ### [PayPal Invoicing](https://www.capterra.com/p/179253/PayPal-Invoicing/) PayPal Invoicing allows users to turn estimates into invoices, send them to customers, track payment statuses, and schedule reminders. The tool offers a real-time preview of invoices, enabling users to make necessary adjustments before sending them out. They can customize invoices with the business name and logo, including taxes, discounts, and special notes. Finalized invoices can be shared with customers via email, shareable links, and QR codes. PayPal Invoicing supports multiple payment methods, including PayPal, Venmo, Apple Pay, credit and debit cards, and installment options with Pay Later. **Customer support options:** Call, email, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty **PayPal Invoicing is a top-rated product appearing in one Capterra Shortlist report:** Billing and Invoicing #### Who commonly uses PayPal Invoicing? We analyzed 182 verified user reviews of PayPal Invoicing on Capterra for the following user industry breakdown: Eighteen percent of PayPal Invoicing users are from the manufacturing industry, followed by 13% each from professional services, and retail and consumer goods and services. While invoicing and payment are vital across industries, this data highlights that PayPal Invoicing is particularly well adopted within the manufacturing sector where it supports key functions such as procurement, supply chain management, and financial operations. We also analyzed reviews data to determine the sizes of businesses using PayPal Invoicing. PayPal Invoicing is largely used by businesses with fewer than 200 employees, which account for 83% of the user base. Conversely, only 17% of users belong to businesses with 200+ employees. This suggests that PayPal Invoicing is particularly popular among small businesses, likely due to its affordability, ease of use, and scalability. #### What do reviewers think about PayPal Invoicing? We analyzed reviews from 182 verified users of PayPal Invoicing. Using a natural language processing (NLP) model, we detected topics raised by reviewers in freeform responses and assigned a sentiment scoreto each topic. The tables below list the three topics with the highest positive and negative user sentiment. Aspects of PayPal Invoicing that reviewers feel most positively about: **Aspect** **Average sentiment score** **User review excerpt** Transaction security 8.7/10 _“Being a part of the PayPal system users can rest easy knowing they’ll enjoy the same level of encryption and security that you get with all other PayPal transactions.”_ Customizations 8.5/10 _“With customizable options, PayPal is the perfect choice for any business. There are numerous template choices and styles available, including the ability to add your own company logo and save.”_ Integrations 8/10 _“In general, I have done very well with the platform and the most profitable thing is that currently Paypal can connect with many other online platforms to receive your payments smoothly and very fast, plus you can withdraw minimum balances, which does not happen in other platforms that sometimes require you to have a certain amount to be able to make a withdrawal.”_ Aspects of PayPal Invoicing that reviewers find lacking: **Aspect** **Average sentiment score** **User review excerpt** Limited currency support 2.8/10 _“PayPal Invoicing supports a wide range of currencies, but not all currencies are supported, which may be a limitation for businesses that operate in certain regions.”_ Transaction fee 3.0/10 _“PayPal charges transaction fees for payments processed through PayPal Invoicing, which can add up over time and may be a concern for some businesses.”_ Customer service 4.4/10 _“I would say that one of the drawbacks of the platform is the customer service, it is very difficult to connect with them.”_ Read all PayPal Invoicing reviews [here](https://www.capterra.com/p/179253/PayPal-Invoicing/reviews/). #### What are the common integrations for PayPal Invoicing? The three most common PayPal Invoicing integrations, based on our proprietary reviews data, are: - **WordPress:** Integrating PayPal Invoicing with WordPress, a website management platform, helps businesses streamline the billing process by allowing them to create and send professional invoices directly from their WordPress site. - **DONATION:** Integration with DONATION, a fundraising platform, helps organizations manage and track donations as well as generate and send invoices for donation pledges. - **Square Point of Sale:** Integrating PayPal Invoicing with Square Point of Sale, an invoicing and payment processing solution, helps businesses manage their invoicing and sales transactions. It allows businesses to create and send invoices through PayPal while using Square for in-person sales and point-of-sale transactions. **For more resources on billing and invoicing software selection, check out:** - [5 Key Features of Billing and Invoicing Software](https://www.capterra.com/resources/key-features-of-billing-and-invoicing-software/)  - [5 Top-Rated Billing and Invoicing Software for Marketing and Advertising](https://www.capterra.com/resources/top-billing-and-invoicing-software-for-marketing-and-advertising/)  - [7 Most Valued Accounting Software Features by Business Size](https://www.capterra.com/resources/accounting-system-features-by-size/) ## 3\. PayPal mobile credit card processing software [Mobile credit card processing software](https://www.capterra.com/mobile-credit-card-processing-software/) allows businesses to accept credit and debit card payments using mobile devices such as smartphones and tablets. It typically includes a small card reader that connects to the mobile device via a headphone jack, Bluetooth, or USB. It helps process transactions on the go, making it especially useful for mobile vendors, delivery services, and pop-up shops. The software includes secure encryption for transaction data, integration with various point-of-sale systems, and support for digital receipts. Below, we’ll break down the most reviewed PayPal mobile credit card processing solution on Capterra. This product offers the core features we’d expect in a mobile credit card processing system: credit card processing and mobile card readers. ### Most reviewed PayPal mobile credit card processing software on Capterra We have ample reviews data (between May 2022 - May 2024) for the product below to share in-depth descriptions of user characteristics (e.g., business size and industry), negative and positive feedback sentiment, and common software integrations.[\*\*](#methodology) ### [PayPal Zettle](https://www.capterra.com/p/171165/PayPal-Here-app/) PayPal Zettle is a point-of-sale solution with credit card processing capabilities. It supports various payment methods, including credit cards, debit cards, and mobile wallets, and utilizes hardware such as a mobile app and card reader. The card reader can be paired with the POS app to accept in-store and on-the-go payments. Customers’ card details are not stored on the card reader or the Zettle POS app to ensure compliance with the Payment Card Industry Data Security Standard (PCI DSS). In addition to credit cards and mobile wallets, Zettle allows users to accept payments via gift cards through the app. **Customer support options:** Call, email, help center, and online ticket submission _Analysis performed May 2024_ #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty **PayPal Zettle is a top-rated product appearing in 3 Capterra Shortlist reports:** Point-of-Sale, Restaurant POS, and Retail POS #### Who commonly uses PayPal Zettle? We analyzed 361 verified user reviews of PayPal Zettle on Capterra for the following user industry breakdown: Our reviews data shows that PayPal Zettle is used across industries, with the largest share (17%) coming from the manufacturing sector. Professional services accounts for 11% of users, while retail and consumer goods and services represents 10%. We also analyzed reviews data to determine the sizes of businesses using Zettle. Eighty two percent of Zettle software users are from businesses with 200 or fewer employees, while only 18% are from businesses with 200+ employees. This suggests that Zettle is particularly popular among small businesses likely due to its user-friendly interface, affordability, and scalability, which are crucial factors for smaller enterprises. #### What do reviewers think about PayPal Zettle? We analyzed reviews from 361 verified users of PayPal Zettle. Using a natural language processing (NLP) model, we detected topics raised by reviewers in freeform responses and assigned a sentiment scoreto each topic. The tables below list the three topics with the highest positive and negative user sentiment. Aspects of PayPal Zettle that reviewers feel most positively about: **Aspect** **Average sentiment score** **User review excerpt** Ease of use 10/10 _“From a software standpoint, I enjoy the bulk uploading of products/services you sell, as well as the clear dashboard that displays the most crucial POS data. The software is easy to use and allows easy data to be accessed from the software dashboard showing sales by time periods and even going into each transaction to granular levels.”_ Secure transactions 9.1/10 _“PayPal Zettle offers a secure and reliable payment solution that can help small businesses protect their customers' financial information and efficiently manage their transactions.”_ Payment processing 8.8/10 _“Zettle allows me to accept more types of payments, has same-day funds availability in our business PayPal account, and has been a game changer for my business, especially processing payments at pop-up markets.”_ Aspects of PayPal Zettle that reviewers find lacking: **Aspect** **Average sentiment score** **User review excerpt** Account transfers 3.3/10 _“Another thing is sending money to another application with the same account name in my PayPal account is not possible or cannot be; e.g. PayPal account name used is also the same account name used in other app. Also, linking bank details could be made simpler by just asking for the bank account number instead of a number on a cheque or bank statement.”_ App and card reader connectivity 3.8/10 _“Connection issues with the app and card reader, which can cause delays or interruptions in transactions.”_ Transaction speed 3.9/10 _“We truly battle with slow stacking or exchanges declining to go through.”_ Read all Zettle reviews [here](https://www.capterra.com/p/171165/PayPal-Here-app/reviews/). #### What are the common integrations for PayPal Zettle? The three most common PayPal Zettle integrations, based on our proprietary reviews data, are: - **BigCommerce:** Integrating PayPal Zettle with BigCommerce, an eCommerce platform, allows businesses to accept in-person credit card payments using Zettle's POS system while managing their online sales through BigCommerce. - **QuickBooks Online:** Integrating PayPal Zettle with QuickBooks Online, an accounting solution, allows businesses to automatically sync their in-person payment transactions from PayPal Zettle with their accounting records in QuickBooks Online. This integration streamlines financial management by ensuring accurate and up-to-date transaction data, simplifying bookkeeping and reconciliation processes. - **Payoneer:** Integrating PayPal Zettle with Payoneer, a global payment platform, allows businesses to manage payments from both in-person transactions with Zettle and international payments through Payoneer. This integration helps businesses streamline financial operations by consolidating payment processing from various sources into a unified system. **For more resources on credit card processing software selection, check out:** - [How To Keep Books for a Small Business](https://www.capterra.com/resources/how-to-keep-books-for-small-business/) - [An Expert Shares 3 Budgeting Best Practices for Businesses](https://www.capterra.com/resources/budgeting-best-practices/) ## 4\. Other PayPal software products Here are two other PayPal products you should know about, but they don’t fall under any of the categories identified above. They have fewer than 20 reviews on Capterra within the past two years (May 2022 - May 2024), so our product descriptions are based on vendor research instead of proprietary reviews data. ### [PayPal Recurring Payments](https://www.capterra.com/p/10008498/PayPal-Recurring-Payments/)  PayPal Recurring Payments is subscription management software that automates billing for subscription-based businesses. It enables them to set up and manage recurring payments, which helps maintain consistent cash flow and reduce manual billing efforts. #### Trial/Free Version - Free Trial - Free Version #### Starting price Available upon request from the vendor #### Device Compatibilty ### [Simility](https://www.capterra.com/p/150958/Simility/) Similty is a fraud prevention and risk management solution that provides tools to detect and mitigate fraudulent activities. It helps businesses protect themselves and their customers from potential fraud and financial losses. Error Could not fetch Product Information ## Learn more about PayPal ### How PayPal works PayPal acts as a middleman between a user’s bank and the online stores or people the user sends or receives money from. Here's a breakdown of how PayPal works:[\[2\]](#sources) Setting up an account - You can start by signing up for a PayPal account on its website or app. You can choose between a personal account (for individuals) or a business account (for merchants). - Once the account is created, you can link your bank accounts, credit, or debit cards to PayPal. This allows PayPal to draw funds directly from these sources when making payments. Making payments - You can pay for goods and services online using your PayPal account. When checking out on an eCommerce site, you can select PayPal as the payment method, log into your PayPal account, and confirm the transaction. PayPal then transfers the money from your linked bank account, debit card, or credit card to the seller's account, minus any fees. - PayPal lets you send money to others using your email address or mobile number. The recipient gets a notification and can transfer the money to their bank account or keep it in their PayPal balance for future transactions. Receiving money - **Personal transactions:** You can receive money from friends and family. The sender uses their email or phone number linked to their PayPal account. - **Business transactions:** As a business, you can accept payments for goods and services through your websites, in-person transactions using PayPal’s point-of-sale solutions, or invoices sent to clients. Withdrawing money - **Transferring to the bank:** You can transfer your PayPal balance to your linked bank account. Depending on the bank, this process can take a few days. - **Instant transfers:** PayPal offers instant transfers to linked debit cards for a small fee, making the money available in minutes. Security and dispute resolution PayPal prioritizes user safety with encryption and secure transactions. It also offers dispute resolution programs to mediate disagreements between buyers and sellers.[\[3\]](#sources) - **Buyer protection:** “_If an eligible item that you’ve bought online doesn’t arrive, or doesn’t match the seller’s description, PayPal's Buyer Protection may reimburse you for the full amount of the item plus postage._” - **Seller protection:** “_If you received an unauthorized payment or a buyer claims he never received his item, our Seller Protection can help you get the full amount of an eligible payment, subject of the Claim, Chargeback, or Reversal and waive the Chargeback Fee, if applicable._” PayPal fees - **Personal accounts:** Sending money to friends and family within the same country using a linked bank account or PayPal balance is usually free. However, using a credit or debit card to send money may incur a fee.  - **Business accounts:** Businesses pay transaction fees to receive payments, which vary depending on the payment method and the country. Source[\[4\]](#sources) International transactions - **Currency conversion:** PayPal allows you to send and receive money in multiple currencies. It automatically converts the currency based on the recipient’s preference and charges a conversion fee.[\[5\]](#sources) - **Cross-border fees:** Sending money internationally may incur additional fees depending on the countries involved.[\[6\]](#sources) ### PayPal customer service  PayPal customer service can be accessed in various ways to ensure efficient and effective support.[\[7\]](#sources) PayPal help center Find answers to frequently asked questions, guides on how to use PayPal services, and troubleshooting tips. The help center covers various topics, including account management, payments, disputes, and security. PayPal Assistant Interact with the virtual customer service messaging tool to seek assistance with common questions and issues. Community forum Seek advice and solutions from other PayPal users. This peer-to-peer support forum is particularly helpful for finding answers to unique issues or learning from others' experiences. Resolution center Report and resolve unauthorized transactions, seller disputes, and other account problems within the resolution center. It provides a structured process for filing claims and tracking their status. PayPal customer service If you’re within the U.S., call 1-888-221-1161 for issues requiring direct assistance, but if you’re outside the U.S., call 1-402-935-2050. The customer service team can help with various inquiries, from technical support and account issues to transaction problems and general questions about PayPal services. The contact details and hours of operation are typically listed on the PayPal website or within the help center. ## Need more help comparing PayPal products? Capterra’s [software comparison tool](https://www.capterra.com/resources/capterra-software-comparison-tool/) helps you compare competing software platforms against each other. By weighing your options and comparing and contrasting features, you’ll be better prepared to make a fully informed decision and successfully [adopt the right software](https://www.capterra.com/resources/software-contract-negotiation/). **Below are additional resources to help you in your software selection process:** - [How To Measure the Success of Your Software Adoption](https://www.capterra.com/resources/software-roi-assessment/) - [The Ultimate Guide to Getting the Most Out of Product Demos](https://www.capterra.com/resources/how-to-survive-a-software-demo/) - [How To Make A Strong Business Case For Software Purchases](https://www.capterra.com/resources/sample-business-case-for-software-purchases/) - [4 Signs It's Time to Move On and Check Out New Software](https://www.capterra.com/resources/how-to-evaluate-new-software/) ## Capterra's 2026 Software Buying Trends Report ### Download our 2026 Software Buying Trends Report to see how successful software adopters avoid disappointment and how your business can, too. * * * **Methodology** \*Why PayPal? This is one of a series of articles from Capterra covering major software vendors and products. We considered covering vendors who met the following criteria: - Vendor sells products in online payment processing-related software categories - Vendor offers at least two products in their portfolio - Vendor’s products appear in more than one Capterra Shortlist report (as of May 2024) For the eligible set of vendors, we assessed monthly search volume for brand name on Google searches to identify most-searched vendors. Data sources include verified user reviews, publicly available information, and data provided by technology vendors. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, word count and topic coverage. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. In this article, we’ve highlighted excerpts with the highest positive sentiment scores and the lowest negative sentiment scores. Excerpts represent user opinion and do not represent the views of, nor constitute an endorsement by, Capterra or its affiliates. Excerpts are not edited for clarity or grammar. \*\*For products with sufficient user reviews, we used our proprietary data science algorithms, sometimes in conjunction with generative AI technology, to identify and summarize user perspectives toward product offerings. Sources 1. [Payment Solutions for Retail](https://www.paypal.com/us/enterprise/industry-solutions/retail), PayPal 2. [How PayPal Works](https://www.paypal.com/us/digital-wallet/how-paypal-works), PayPal 3. [PayPal Safety for Buyers and Sellers](https://www.paypal.com/kg/webapps/mpp/paypal-safety-and-security), PayPal 4. [PayPal Fees for Sellers](https://www.paypal.com/in/webapps/mpp/merchant-fees), PayPal 5. [PAYPAL USER AGREEMENT](https://www.paypal.com/in/legalhub/useragreement-full), PayPal  6. [What Are the Cross-Border Fees When Selling Internationally?](https://www.paypal.com/us/cshelp/article/what-are-the-cross-border-fees-when-selling-internationally-help550), Paypal 7. [PayPal Contact Us](https://www.paypal.com/us/smarthelp/contact-us), PayPal * * * ### Was this article helpful? * * * ## About the Authors [### Barkha Bali](https://www.capterra.com/resources/author/bbali/) Barkha Bali is a writer at Capterra. She provides insights to help small and midsize 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. [### Rina Rai](https://www.capterra.com/resources/author/rina-rai/) Rina is a senior editor at Capterra. She has close to a decade of experience creating and editing content, especially for the IT, software, and finance domains. Passionate about minimalist storytelling, she prioritizes breaking down complex industry jargon into engaging stories accessible to all readers. Rina holds a postgraduate degree in mass communication and journalism and a bachelor's degree in English literature. She started her career as a features writer for The Times of India, India’s... ### RELATED READING - [Bookkeeper vs. Accounts Payable Software: Which One Should You Choose?](https://www.capterra.com/resources/category-compare-bookkeeper-vs-accounts-payable-software/) - [How to Unlock Real AI Benefits in Sales and Marketing](https://www.capterra.com/resources/ai-benefits-sales-marketing-software/) - [5 Key Help Desk Software Features With Top Products That Offer Them](https://www.capterra.com/resources/help-desk-software-key-features/) - [How To Build the Right Project Management Tech Stack for Your Business](https://www.capterra.com/resources/project-management-tech-stack/) -