About Paypal


Paypal is a digital payment platform that enables businesses and individuals to pay and accept payments through an online portal without revealing any financial details. The solution is suitable for businesses of all sizes.

Paypal provides a one-touch login process, so there is no need to re-enter information. For individuals, users can shop as well as process transactions overseas by linking their card details through Paypal’s portal.

For business owners, users can accept international payments from banks or digital wallets on through the portal. They can bill the clients, receive direct payments from suppliers or manufacturers and accept payments from more than 200 markets with a single account.

Paypal charges a transaction fee, which is calculated based on businesses’ total sales volumes. The system is compatible with mobile devices.



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Supported Operating System(s):

Web browser (OS agnostic)

6,254 Reviews of Paypal

Average User Ratings

Overall

4.67 / 5 stars

Ease-of-use

4.5

Value for money

4.5

Customer support

4.5

Functionality

4.5

Ratings Snapshot

5 stars

(4,555)

4 stars

(1,391)

3 stars

(242)

2 stars

(47)

1 stars

(19)

Likelihood to Recommend

Not likely

Very likely

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Showing 1-20 of 6,254 reviews

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June 2019

Carissa from G-PACT

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

4.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

June 2019

Very handy and safe

I've never had a problem with Paypal personally or professionally. As a non-profit CEO, I love that we can just put a button on a website or give out our accounting e-mail addy when people ask where to send donations and they can do it right away. It's an easy way to sell any products or do fundraising events and not have to manually keep track of each transaction because PayPal keeps track of it all in one spot! Once, there was a charge that I didn't authorize, and they responded immediately and took care of it. I feel really safe using it.

Pros

I feel safe using Paypal. It is so easy to transfer funds and also keep funds safe in a separate account besides banking or savings. The paypal credit is great for emergencies to not have to pay interest for 6 months, and the new paypal cash card is a great backup to access funds as needed from any ATM. I love that I have the option to transfer funds to other accounts, and have one resource I can use to pay with ANY of my accounts instead of having to type in numbers from so many different cards. The speed in which funds are transferred for free is very fast, but to also have the option to pay a small fee for a faster transfer is helpful in emergency situations especially. It is SO easy to use and funds are immediately available by simply typing in an e-mail addy or using a paypal.me link. It's a perfect one stop to combine so many accounts together, send and receive money, save money, pay securely online, and request money. I use it personally, as does my non-profit. It saves my non-profit a lot of money by not having to have a credit card machine we use through the bank! It encourages people to donate because it is instant (so they don't forget or change their minds later) and so easy by not having to write out a check or get a money order. I love being able to see my payments and what I have received from where all in one spot. The option to return funds, request funds, or pay others all in one spot is so fast and easy! I LOVE paypal!

Cons

Sometimes I have some navigational issues on the site, but I don't know why because I've used it for so long! Otherwise, I really can't think of anything about Paypal that I don't like.

May 2019

Monique from NocturnalDaylight Designs

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

4.0

Functionality

5.0

May 2019

A great tool for any size business, but also for the average Joe to send money to a friend for tix.

My overall experience with PayPal as a buyer is very positive. I am happy that it is easy to use and I am protected. As a seller/business, my experience is mostly positive. I enjoy the features, the ease, and the trustworthiness as an option to my customers. However, it is difficult (near impossible) to use when you have someone using the PayPal software to get refunds.

Pros

There are so many pros. I use this software as a business, to help set-up other businesses to accept online payments, but I also use it as a person. Let me explain, I use it to send money to friends to pay for my half of our concert tickets. I use it to pay my mom back for the loan she gave me. My mom uses it to send me money if there are emergencies.

One of the biggest pros is that it is easy. PayPal is by far the easiest to use, after it is set-up. You can have all your bank accounts, cards, etc. all in one place. I do not have to have my wallet handy. Checkout is a breeze. It is the same experience across any store, and any place that uses PayPal.

As a business, it is trusted, and that is a huge plus. They are hugely protective of buyers, which makes you feel safe using it.

Continually, there are tools like invoicing, website button codes, abilities to send reminders, or monthly auto-payment requests.

The possibilities as a business and a regular 'person' are endless. I use this software daily. I even sometimes use it as a sort of 'bank account' and use the attached debit card.

Cons

The same thing that is a pro, is actually a con, though from the seller's perspective. Frankly, because the buyer protections are so strict, it can mean that money is taken from your account as a seller, without your consent. It is very difficult to regain that money. A seller must take photos, videos, and keep stellar documentation to protect themselves. The actual process itself is a bit cumbersome and not the easiest to find.

A second "con" is the fees. Obviously it costs money to process credit cards, but the fees do get to be a bit excessive. However, they are competitive in terms of how much they charge.

May 2019

Anonymous

Verified Reviewer

Company Size: 1 employee

Review Source: Capterra


Ease-of-use

5.0

Value for money

4.0

Customer support

3.0

Functionality

5.0

May 2019

Paypal: Easy to use but immediate money transfers are too expensive.

It is a huge benefit to be able to receive artistic support and gifts from overseas friends who care deeply about my art. This would be close to impossible using a regular banking system. The bank would charge massive transfer fees, you'd have to stand in line, and all kinds of other nonsense. My experience with Paypal overall is that they have created an amazing alternative to regular banking transfers and buying online, however I think they've become greedy with their new fees, have an unclear online website, and need to step up their game to keep up with new apps hitting the market.

Pros

I mainly use Paypal regularly to send & receive gifts and payments. I like that this software allows me to use it on my smartphone. I rarely sign into Paypal on my laptop. When you are constantly commuting for work, it is important that apps can be used on the phone and that you can get a lot done on the bus. This is what I appreciate most about Paypal. The software is very intuitive via the app and you can navigate your payments, history, and balance easily through your phone. It is also easy to transfer yourself money via your phone. I would say though, that the online website itself is not as clear and needs a lot of work and to go through group testing more. I am not sure why there is such a disparity between the two.

Cons

A lot of new payment systems do not require you to wait 24 hrs to transfer money to your bank account for free, this is where Paypal is missing the mark. They are now charging 1 percent for an immediate transfer for up to 10 per transfer, which is highway robbery in my opinion. When you are an artist, every dollar you make counts, especially if you have a rare sale or rare gift received from someone trying to support your work. A lot of the time I've waited 24 hrs and it's been a pain because I needed that money right away. Additionally, as noted in my other comment, Paypal needs to make the navigation of their online website more clear, make it easier to update your address, easier to update your banking info, and easier to access customer service questions. When you have an issue it is harder to fix it on paypal, even though they rarely come up, when they do they're pretty big and it involves YOUR money, so it should be easier to find solutions online than it is right now.

May 2019

Kidhogwa from Buy more Uganda

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

4.0

Customer support

2.0

Functionality

5.0

May 2019

Paypal can be annoying, tough it's still the best

would still recommend PayPal to everyone because you really don’t have any other options out there better than PayPal. I think PayPal knows this and that’s why they don’t care to make adjustments. I read somewhere that if you plan to travel or are changing the device you usually login with to PayPal, you can write to PayPal and explain this but I'm not sure if this works though. Maybe they could still ask to verify whether its truly you that is making the request.

Pros

PayPal is the biggest online money transfer which makes it my best choice because I work with a number of people from almost every corner of the earth.

I love Its invoicing software. It takes away the hassle of creating invoices.

The mobile card reader is great too and I use it with my Mpesa to make payments when I'm in Kenya.
In this part of the World where other online payment systems are so inefficient, PayPal is such a life saver.
The shopping cart, the instant payment, the simple click and send, PayPal is simply awesome.

It would take me a whole day to write about the wonderful features of PayPal but it would equally take me the same time to write about cons.

Cons

I think its crazy to have your account limited or locked just because you have changed your IP address or you have changed your location.

PayPal annoys me by thinking that people must use the same device to login to PayPal all their life if they are to continue smoothly running their account.

If you travel to another country or log into your account with another PC, your account can be limited.

I know someone whoose account was locked with $5000 in it. Its been 1years since this happened and PayPal has never resolved the problem.

Yes they restore your account after verification but most of the time it takes them long to restore it yet its a hassle that can be avoided.

What is worse is that I have seen many people complain about this for some time now and PayPal hasn’t done anything about it.

May 2019

Barbara from Grid Dynamics

Company Size: 1,001-5,000 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

May 2019

Easy and very secure way to pay online virtually for everything without risk

I work for a global technology business (1,400+ people globally) with presence in multiple countries. We use PayPay on a daily basis for payments and especially, payments for some international transactions.

Pros

I really like that it is very easy to make a payment and you don't have to worry about your credit card information or bank information being disclosed to unwanted party. Security of payment is really key. Many people or companies avoid online payments as often your credit card information can be accessed by unwanted party who put fraudulent transactions on your credit card or even, bank account. Although credit card companies normally would refund such payment, this would require a lot of work and in case of business, a lot of time of your accountants. Time means money, as accountants can't spend time on other activities. Of course, there are a lot of negative emotions associated with credit card fraud. With PayPal, we don't have to worry about credit card fraud. The credit card information here is very secure. Additional advantage of PayPal is that we can make some payments, especially international payments that can only accept PayPal. Overall, we use PayPal as a business daily and we are very happy with it.

Cons

Overall, I like PayPal very much. I believe that the PayPal provider should think about widening its activity. We do use a lot of check payments and wires. I believe that PayPay should think how to expand its activity for international businesses like our company and develop some initiatives for us, to switch some international wire payments to PayPal.

May 2019

samuel from Self-employed

Company Size: 1 employee

Review Source: Capterra


Ease-of-use

5.0

Customer support

2.0

Functionality

4.0

May 2019

Convenient & Widely Acceptable Online Payments System but...

No doubt, PayPal is a very convenient payments system available on the internet. With easy integration with valid credit card, users can easily make payment for any service that accept PayPal payment, send money to friends and family, and transact with online vendors all over the world. As a user since 2014, i will gladly recommend PayPal for anyone, especially for Freelancers that sell their products and offer services online which will help them receive their payment at ease, but the payment receiving feature needs to be available for their country.

Pros

One of the biggest advantages of PayPal is the easy online payments system which is widely accepted by online vendors, big e-commerce stores and other businesses. PayPal allow users to send out money and also receive payment, which made it easy for two individuals to carry out business transactions or send money as a gift to friends or families.
One of the best features of PayPal is the easy integration with user’s Local Bank Account; users can link their Credit Cards to their PayPal account, make transactions with PayPal and get debited on the Bank Account. Another advantage of PayPal is the security, they takes security tightly, secure logins like 2FA to prevent user’s from hackers, also each transactions are monitored and any foul suspect will result to cancellation and account will be limited for verification.
PayPal has also helped me from scammers and getting out of bad deals, they have a good refund policy that help buyers get their money back easily if the deal goes wrong.
Other advantages are keeping of all general transactions histories which can be easily printed and a straightforward user interface which makes it easy to use and understand.
PayPal have a mobile app that makes PayPal easier to use, the app is available on both Android phones and iPhones; all online functions are available on-the-go.

Cons

Even with the good reputation online, PayPal can be very frustrating with different disadvantages.
A major problem with PayPal is the customer support, contacting those guys can be very frustrating, using the email takes forever before they reply, calling their mobile phone takes time before you’re connected to available support which is very expensive since it’s international call. PayPal really needs to improve their customer support and at least be less aggressive with rules, which is another problem with PayPal; example of the limitation of accounts on slightest things, even though security is important to make users safe on the internet, PayPal however takes security a little too much, a simple change in account’s activities can result to limitation of user’s account which can only be resolve with ID verification and reviews.
Another con to PayPal is the limitation of some countries from having full access to their services, my country in particular can only send out funds and pay for services but we can’t receive funds, which aren’t good for business, I have to find alternative to receive payments online.
The last one I can think of is the transactions fees, unlike other competitors; PayPal doesn’t have stable fees, sometimes PayPal can charge up to 50% of total transaction amount, which isn’t encouraging.

May 2019

Stephen from ExIm English

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

5.0

Customer support

5.0

Functionality

5.0

May 2019

Better than my bank!

I use PayPal for not only my eBay purchases, which is where they really started, but for many other online transaction, with both domestic and foreign vendors. In addition, their list of vendor-partners has grown exponentially since the early days. Now, it is possible to use PayPal for transactions with different types of companies in a wide variety of industries that use e-commerce for a significant percentage of their sales transactions. It would be significantly more complicated overall to do business online without PayPal's seamless and reliable money transfer and transactional payment services.

Pros

Paypal can be used from anywhere in the world and is free of tiresome and frustrating commercial bank fraud-detection services that will flag your bank account's debit/credit card while you are overseas for business or as a tourist--EVEN WHEN YOU ALREADY POSTED YOUR SPECIFIC TRAVEL PLANS, including countries and dates. I had two of my accounts with two separate banks flagged while I was overseas (Eastern Europe) from February to April 2019. My accounts were totally blocked and one foreign bank's ATM machine retained and destroyed my Chase VISA debit card. I have a Chase business banking account, and even with a business account, Chase has it set up so that a third-party fraud detection vendor can create a tremendous amount of havoc and collateral costs when I had already told Chase I would be overseas.

To make a long story longer, PayPal has never, ever caused me problems while I am traveling. Did I say, "ever"? It's true. I have been a customer of PayPal for 11 years and for all that time, PayPal has served me well, fulfilling my requests for payments to vendors and friends without a hitch. And if there is ever any questions regarding a transaction, their customer service team is easy to access and even easier to deal with. If there is a problem, they can fix it while you're on the phone with them.

I wish that all my online financial service providers were as easy and reliable as PayPal. They are certainly more reliable and accessible than my US-based commercial banks are.

Cons

In the early years, customer service was not as good as it is now. For the past 5 or 6 years, PayPal's customer service team has been world-class. On a scale of 1 to 10, they are a clear 10.

May 2019

Humberto from Freelancer

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

5.0

Customer support

5.0

Functionality

5.0

May 2019

PayPal Excellent Method to Receive Payments

Since I started my freelancer career 4 years ago I used PayPal to receive payments from my clients. I have never had problems receiving payments and everyone accepts this platform to make them. Currently there are many methods that can be much better, these can be cryptocurrencies or other methods such as Uphoald, Payeer or Skrill. However, if you are starting to receive multiple payments PayPal is the best option, since the registration is free, the verification of your account is quite simple and the limitations are practically nil.

Pros

PayPal is a payment platform that is easy to install and use
Your customers are probably already familiar with PayPal
You do not need a merchant account
You can receive payments from any client. They do not need to have a PayPal account
You can create very elegant and personalized payment formats
PayPal charges are lower than some merchant accounts
You can configure recurring payments (if you need it)
PayPal can be easily integrated into any shopping cart system
It is a platform that offers secure transactions for both sellers and buyers
Payments are fast, safe and convenient
You have the possibility to request a refund, after having transferred to another account (2 times I have done it successfully, your response is very fast, timely and efficient)

Cons

Regarding digital products, they are not covered by seller protection policies
The rates for Chargebacks can be very high
Although it has not happened to me personally, I know cases of users who have had their account suspended. Your funds have been frozen for months
Although it is a platform received in many payment systems, there is a large number of people who refuse to use PayPal. This can be limiting when doing business with these clients
Personally, I consider it a limitation that you can not transfer money from PayPal to other systems such as Payoneer, Paytm, Payeer, etc.

May 2019

Cullen from Self-Employed

Company Size: 1 employee

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

May 2019

PayPal Reaches New Heights in Security and Convenience

PayPal has served me well over the past 8 years or so and I will continue doing so. I've always felt a sense of security around my purchases and integrity of confidential information. Its amazing how PayPal has managed to serve such high standard of security related services while continuing to enhance its convenience via new features, fast support, and a ever widening network of user touch-points. PayPal's availability is far beyond what today's local banks offer. Users can find uses in websites/stores that accept PayPal, in-person physical access to your account for withdraw or deposit, and full control anytime, anywhere with the mobile app and superb web interface.

Pros

PayPal has always worked without fail when used as a payment method. In one glance at my PayPal dashboard either on my computer or mobile device, I'm able to check my balance, credit balance, credit payment due date and more. I've even found myself without cash or balance in my local checking when I needed to pay a bill. That's when I tried PayPal cash withdrawal using the app for the first time. Within minutes I had the money I needed! There are so many benefits and tools built around convenience within PayPal that I can't say enough. I'm a fan of investing and when PayPal teamed with Acorns for easy round up investments I was quick to take advantage of it. To be honest, I hardly use my checking compared to how much I use my PayPal account.

Cons

There isn't much to dislike about PayPal, however I there were a few times I had sent/received money from family and it was mistakenly handled as a payment. The problem was purely user based. More than likely the manner in which we requested and/or sent the money was different than the "Gift" function. The gift being handled as a payment for services instead lead to a fee of a substantial amount. Perhaps some better explanation on requesting a gift vs. payment and such. I see PayPal has recently introduced an invoicing system which is amazing.
I hope they continue to do so as they were lacking free services targeted towards individual entrepreneurs who did business under their own name rather than a business.

April 2019

Anonymous

Verified Reviewer

Company Size: 1 employee

Review Source: Capterra


Ease-of-use

5.0

Value for money

4.0

Customer support

4.0

Functionality

5.0

April 2019

The Best and the only Great international Payments Platform

I do freelancing and some other part time works and almost everytime I receive my money from other countries. So, if there was no PayPal or even if it was not available in my country, then receiving PayPal would have become impossible for me. In other words , PayPal is the best and the only best International Payments medium for me and for my friends too. The easy and fully featured interface makes is real easy and fun to use . Sending and receiving funds is as easy as just like sending text messages on PayPal. The automatic transfer of funds is also really useful. PayPal guarantees security and complete encryption of information and transactions so I can use it without any worries. The only problem is the tax/fee while receiving a payment and also the correct conversion fee is a little bad. But overall, my experience with Paypal is really good and I appreciate .

Pros

While receiving International Payments, PayPal is the only lifeline for me. I reside in India and there's no any international Payments Bank which is easy to use as PayPal is. Without PayPal, I would not have received any money from my side works. So basically, PayPal is the best and the only best payments platform which is available Globally and accepted nearly everywhere online and mostly everywhere Offline too. The best part of PayPal is that sending to anyone as well as receiving money is easy as just like sending and receiving text messages. The second best thing about PayPal is its interface which is easy and fully featured. PayPal informs everytime whenever there is an update to their site, privacy policy, terms and conditions, and when we receive or send money. The paypal mobile app is also very easy to use and has a very nice and featured interface. When it comes to security, PayPal stands very greatly... PayPal insures each and every payment is secured and encrypted. Joining PayPal in India is very easy as just like joining a social media site, to receive international Payments, Indians have to link their Pan Card and if they want to use it locally they will have to link Aadhaar Card as well. The verification process is fast as expected. In India, due to RBI regulations PayPal has made Automatic Transfer of funds from PayPal which is really way useful, because of it we don't have to care about withdrawing the funds as they are done automatically.

Cons

The only things I dislike about PayPal are :-
1) when we receive money we have to pay a little fee which is sometimes not so little . So, there's a rule that when a user receives money, he/she will have to pay a fee and in my opinion, the fee is sometimes too much than expected.

2) The PayPal International currency conversion is really not so good. I reside in India so here the currency is INR , and I mostly receive money in other currencies such like USD or GBP , so the problem is that the currency conversion occurs in a very bad way. Example, last time when I received money in USD, 1USD was actually equivalent to 69INR but PayPal did the currency exchange and gave me 67 INR for each USD. So, if we receive a little International payment, then the currency conversion fees will be just a little as negligible bit when we receive a high payment the currency conversion charge will be high too which could be proved less benefited for users.

March 2019

Dorothy from St. Placid Priory

Company Size: 2-10 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

4.0

Functionality

5.0

March 2019

"You've got cash!"

We have not had any problems so far, and I believe that our income has increased due to allowing people to register and pay online. We haven't made a detailed analysis of that yet, but it seems that way. PayPal is easy for us to use and easy for people who want to pay online to use too. Overall, it gets a high grade from us.

Pros

We chose PayPal because it has a history and a reputation. Although there are plenty of others out there, we felt most secure in a company with its reputation. It was a little tricky to set up because of financial security concerns, but we received the help we needed and it didn't take too long. PayPal has lots of options but we only use some basic ones: we use it on our website to allow people to pay for their retreat and program registrations. It interfaces nicely with Retreat Booking Guru which we began using at the same time. We have a choice between doing a daily "sweep" of our funds into our bank account, or doing it manually ourselves. To date we do it manually. I'm in charge of this, and at the same time I do a money transfer, I print out a PayPal report for our bookkeeper so that she knows what's happening. She of course sees our bank statements, but my reports help her make sense of them. Because we are a nonprofit, we get a lower rate than a commercial enterprise would. The monthly rate we pay in addition is a fair one, we think, and there is no charge for transferring funds to our bank. We like PayPal; it seems to work very well and it is a big help to us.

Cons

I'm not impressed with the reports generated by PayPal. I have a choice of downloading a report they generate, which doesn't have all the information I'd like, or simply printing what shows on the Activity page. When I do that, the column headings are shifted so they aren't over the right columns. But at least I get the info I want and in a font large enough to read. In the overall picture, this is something I can live with.

March 2019

Carmen from Self Employed