How much does PayPal Zettle cost?

PayPal Zettle, which is a point-of-sale (POS) system that enables businesses to accept card payments, costs $29 for the first card reader, and $79 for additional card readers after that. PayPal Zettle uses hardware like receipt printers, barcode scanners, and terminals to receive payments. There are no monthly fees for using Zettle, but standard PayPal transaction fees do apply.

Is PayPal software as a service?

No, PayPal is not technically a software-as-a-service (SaaS) company, but it plays a crucial role in powering digital payments, especially for software companies. It provides features such as secure online payments, multi-currency support, and integrations with eCommerce platforms. PayPal enables businesses to process transactions globally, making it a widely used solution for digital payments across industries.

Can PayPal be trusted?

Yes, PayPal is a trustworthy and legitimate company for businesses. PayPal reviews on Software Advice highlight its fast payments, user-friendly platform, and multiple security factors. However, users should always be cautious of sending and receiving money on the platform and verify that any merchants are legitimate.

How do I avoid PayPal fees?

To avoid PayPal fees, individuals can send and receive money via the 'Friends and Family' option and pay with a bank account. However, for businesses, this would violate PayPal's terms of service. For businesses looking to reduce their fees, they should receive payments in the same currency as clients and apply for lower fees if they earn more than $3,000 per month.

What are the pros and cons of PayPal?

Positive PayPal reviewers on Software Advice mention its easy mobile payments, detailed transaction monitoring, fast ACH payments, and robust security and buyer protection. Cons from users include high business and international transaction fees, which can quickly add up. Some PayPal reviews also mention issues with handling disputes.

Updated April 29, 2025 at 1:55 AM

PayPal 2026: Benefits, Features & Pricing

Written by Sabrina Khoulalène

Content Analyst

Edited by Mehar Luthra

Team Lead, Content

Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee.

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On this page

Our Summary
Pricing and Plans
Features
Integrations
Key Sentiments
User Reviews
Frequently Asked Questions

Our Summary

PayPal

4.6

(26110)

Pros:

Strong security features
Global reach

Cons:

High transaction fees
Confusing interface

Pricing

Pricing available upon request

What is PayPal:

Paypal is an online payment system that allows businesses to send and receive money. PayPal helps businesses make purchases, transfer money, and pay bills with tools like instant transfers, multi-currency support, and cross-border payments. PayPal acts as an intermediary between banks and customers.

Why we like PayPal:

PayPal is featured on Software Advice’s FrontRunners list of top payment processing software, with users appreciating its real-time alerts on sales activity and transactions, online payments, and visual dashboards. PayPal ranks highly, with an overall rating of 4.7 out of 5 stars across 25,000+ reviews and 4.6 stars for ease of use and features.

Who should use PayPal:

PayPal is frequently used by small businesses, who make up 59% of PayPal reviewers on Software Advice. Users can accept online payments, utilize business debit cards or business loans, and analyze detailed reports on sales activity, refunds, fees, and customer data.

PayPal Screenshots

PayPal Overview

PayPal is a digital payment platform that enables businesses and individuals to pay and accept payments through an online portal. The solution is suitable for businesses of all sizes.

PayPal provides a one-touch login process, eliminating the 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 through the portal. Users can bill clients, receive direct payments from suppliers or...

PayPal Pricing and Plans

Starting price: $0.09

Free Trial

Free Version

Card Processing

$0.29

Plan includes:

Visa
Mastercard
Apple Pay
Maestro
American Express
Discover

PayPal and Venmo

$0.49

Plan includes:

PayPal
Venmo

Pay Later

$0.49

No plan information available

Point of Sale

$0.09

No plan information available

Confused about pricing? We've got you covered.

Get a personalized pricing breakdown tailored to your specific needs—no guesswork, no generic estimates.

Our Analysis of PayPal's Pricing Plans

PayPal offers several pricing models to support a variety of payment methods, each with its own fee structure. Creating a business account is free—companies just need to provide a billing address and link a business bank account during setup. You can also choose which payment options to offer, and fees only apply when a transaction is processed.

To help you determine which model best fits your needs, we’ve outlined the core features, benefi...

ts, and potential drawbacks of PayPal’s main payment options: standard card processing (plus Expanded Checkout for digital wallets), PayPal and Venmo, PayPal Later, and PayPal POS. **Card processing (+ Expanded Checkout)** PayPal’s standard card processing charges 2.99% + $0.49 per transaction. Businesses using Expanded Checkout benefit from slightly lower rates—2.89% + $0.29 per transaction—while gaining the flexibility to offer additional payment methods like Apple Pay and Google Pay. Optional add-ons include Chargeback Protection (0.40%) and Advanced Fraud Protection ($0.07). **Pros:** - **Multiple payment options available:** Expanded Checkout lets businesses accept a mix of card payments and digital wallets like Apple Pay and Google Pay, all under the same fee structure. - **No monthly fees:** Businesses only pay when they complete a sale, without any recurring monthly charges. - **Built-in protections:** Optional tools like Chargeback Protection and Advanced Fraud Protection help reduce risk. **Cons:** - **Add-on costs:** Extra fees for protection services can increase the total cost per transaction and accumulate over time. - **Flat transaction fees:** Even for smaller purchases, the $0.29 or $0.49 fixed fee per transaction can add up. **PayPal and Venmo payments** At $0.49 plus 3.49% per transaction, this setup serves businesses looking to reach digitally savvy, mobile-first customers who prefer using familiar platforms like PayPal or Venmo over traditional card payments. **Pros:** - **Expanded audience reach:** Helps businesses tap into PayPal and Venmo’s built-in user bases, particularly younger or mobile-first shoppers. - **PayPal Checkout access:** Combines card, PayPal, and Venmo payments in one streamlined flow, with built-in fraud tools and a familiar branded interface that can increase trust and conversion at checkout—but excludes support for other digital wallets, such as Apple Pay. - **Built-in protections:** Includes Seller Protection, fraud prevention, and compliance tools through PayPal Checkout. **Cons:** - **Higher transaction fees: Comes with a steeper rate—$0.49 plus 3.49% per transaction—compared to other PayPal options. - **Brand visibility tradeoff: Payments show as “PayPal” on customer bank statements, not your business name, which may affect brand recognition. **PayPal Pay Later** PayPal Pay Later charges 4.99% + $0.49 per transaction and is geared toward businesses selling high-ticket items or looking to increase average order value. It gives customers flexible payment options—either in four interest-free installments or extended monthly plans—while businesses receive the full payment upfront. **Pros** - **Built-in financing option:** Customers can choose between four interest-free payments or longer monthly installments of up to 24 months. - **Upfront business payouts:** Businesses receive the full transaction amount at the -time of purchase, while PayPal handles collection from the customer. - **No late fees:** Customers benefit from zero late fees or sign-up charges, helping reduce cart abandonment for higher-value items. **Cons:** - **Higher transaction fees:** The 4.99% + $0.49 fee per transaction is steeper than - PayPal’s other processing options. - **Aggressive interest charges for customers:** Monthly plans may include interest rates up to 35.99% APR, which may deter some buyers. - **Limited use case:** Best suited for businesses with higher average order values—and may not be ideal for those selling lower-cost goods. **PayPal POS** PayPal’s point-of-sale system charges a flat $0.09 per transaction and is designed for in-person sales at physical locations. Businesses can use the free POS app on a smartphone or purchase hardware like card readers and receipt printers starting at $29. Ideal for storefronts, contractors, or mobile vendors, this setup supports tap-to-pay, real-time inventory tracking, and instant fund transfers to your PayPal business account. **Pros:** - **Low transaction cost:** The $0.09 flat fee per sale makes PayPal POS an affordable in-person processing options. - **Flexible setup options:** Businesses can start with just a smartphone or add hardware like card readers and receipt printers as needed. - **Real-time payouts and insights:** Instant fund deposits, built-in inventory tools, and sales reports help streamline daily operations. **Cons:** - **Hardware costs:** While the app is free, physical stores may need to invest in POS equipment, which can add up. - **Limited to in-person sales:** This setup is tailored for face-to-face transactions and doesn’t cover online checkout needs. - **Basic feature set:** May lack advanced POS features found in more robust retail systems. **Conclusion** PayPal offers a flexible suite of payment solutions to meet the needs of online retailers and in-person sellers. Whether you’re looking to accept traditional card payments, tap into mobile-first audiences through PayPal and Venmo, offer buy now, pay later financing, or process in-store transactions with a POS system, each payment method brings its own advantages and limitations. Standard card processing and Expanded Checkout offer competitive rates and broad compatibility with digital wallets. PayPal and Venmo options help expand your customer base but come with slightly higher fees. Pay Later supports high-ticket sales and can boost order value, though it’s best suited for certain business types. Meanwhile, PayPal POS is a cost-effective tool for physical retailers and mobile vendors, offering affordable in-person transactions and real-time reporting features. Choosing the right PayPal payment setup will depend on your sales channels, customer preferences, and overall business goals. Carefully evaluating each option’s structure and associated fees can help you identify the approach that delivers the most value.

PayPal Features

Drawn from insights across 26110 verified reviews, we've outlined PayPal's best and worst rated features and how they stack up against the average rating.

PayPal's score

Category average

PayPal's Best Rated Features

Payment Tracking

5.0

4.85 category average

Real-time Alerts

4.88

4.08 category average

Internal Fraud Monitoring

4.82

4.61 category average

PayPal's Worst Rated Features

Ad hoc Reporting

3.56

3.21 category average

Search/Filter

3.58

3.79 category average

Expense Tracking

3.92

3.74 category average

Popular features found in Payment Processing
ACH Payment Processing
Billing & Invoicing
Debit/Credit Card Processing
In-Person Payments
Mobile Payments
Multi-Currency
Multiple Payment Options
Payment Fraud Prevention
Payment Gateway Integration
PCI Compliance
Recurring/Subscription Billing
Reporting/Analytics
More features of PayPal
Access Controls/Permissions
Accounting
Activity Dashboard
Ad hoc Reporting
AI/Machine Learning
Alerts/Notifications
Anomaly Detection
API
Authentication
Barcode/Ticket Scanning
Billing Portal
Cash Management
Check Fraud Detection
Compliance Management
Contact Database
Credit Card Processing
CRM
Customizable Dashboard
Customizable Invoices
Data Import/Export
Data Management
Data Security
Data Visualization
Deferred Billing
Digital Wallet Payments
eCommerce Management
EDI
Electronic Payments
Electronic Signature
Expense Tracking
Financial Analysis
Financial Management
Financial Reporting
For Banking
For eCommerce
For Food Trucks
For Retail
For Small Businesses
Fraud Detection
Internal Fraud Monitoring
Inventory Management
Invoice Creation
Invoice History
Invoice Management
Invoice Processing
Marketing Reports
Mobile Access
Monitoring
Multi-Location
Multi-Period Recurring Billing
Online Invoicing
Online Payments
Order Management
Payment Links
Payment Options
Payment Processing
Payment Tracking
Performance Management
Point of Sale (POS)
Product Catalog
Projections
Promotions Management
Real-time Alerts
Real-Time Data
Real-Time Monitoring
Receipt Management
Recurring Invoicing
Refund Management
Reminders
Returns Management
Risk Analysis
Risk Management
Role-Based Permissions
Sales Reports
Sales Tax Management
Scheduled/Automated Reports
Search/Filter
Self Service Portal
Shipping Labels
Shipping Management
Social Media Integration
Status Tracking
Transaction History
Transaction Monitoring

PayPal Integrations

Based on 26110 verified reviews, we've identified products most frequently integrated with PayPal.

Shopify

Integration rated 4.6 from 179 reviews

Regine Rodriguez

CEO

Used for more than 2 years

Reviewed September 2022

"So easy to implement on the shopify payments area."

WooCommerce

Integration rated 4.7 from 130 reviews

Kathy Place

Owner

Used for more than 2 years

Reviewed November 2022

"Easiest way to collect money. Sets up easily with woocommerce"

Wix

Integration rated 4.7 from 78 reviews

Mike Perrier

Owner

Used for more than 2 years

Reviewed November 2021

"We sell tickets to our event on Wix and PayPal makes it very easy!"

QuickBooks Online

Integration rated 4.7 from 55 reviews

WordPress

Integration rated 4.7 from 36 reviews

BigCommerce

Integration rated 4.6 from 30 reviews

Venmo

Integration rated 4.8 from 19 reviews

Payoneer

Integration rated 4.2 from 18 reviews

Cash App

Integration rated 4.8 from 14 reviews

See all 155 integrations

PayPal Key Sentiments

We analyzed 26110 verified reviews for PayPal to find out what actual users really think.

Most Positive Sentiments

Payment processing

70% Positive

24% Neutral

7% Negative

Users appreciate PayPal for its secure platform, which ensures safe transactions and peace of mind when making payments. They value the option to pay balances off with no interest and the convenience of interest-free payment plans. Additionally, freelancers find PayPal an excellent method for receiving payments from clients, enhancing their financial management.

Customer service

57% Positive

16% Neutral

27% Negative

Users generally appreciate PayPal's customer support availability and find the service reliable and helpful. They value the responsive and empathetic support staff, which enhances their overall experience. However, some users still report frustrating service experiences, including slow response times and difficulties in resolving issues.

Purchase and sales management

54% Positive

32% Neutral

14% Negative

Users find PayPal convenient for sending and receiving money, which supports their business growth and international transfers. They appreciate the ability to print shipping labels directly from PayPal, saving time and effort. Additionally, PayPal's wide acceptance among various vendors and online stores helps users manage their purchases and sales efficiently.

Least Positive Sentiments

Transaction fees

20% Positive

39% Neutral

41% Negative

Users express dissatisfaction with PayPal's high transaction fees, especially for small and international transactions. While some appreciate the instant transfer options, many find the fee structure complex and costly. The high fees can significantly impact small businesses and frequent users, leading to concerns about overall operating expenses.

Money transfers

48% Positive

31% Neutral

20% Negative

Users find PayPal convenient for sending and receiving money, with robust security features and quick international transfers. They value the speed of transactions and the ability to manage multiple currencies. However, some users experience account freezes, limitations, and slow transfer times, which can be frustrating and inconvenient.

PayPal User Reviews

Overall Rating

4.6

Ratings Breakdown

74%

20%

Secondary Ratings

Ease of Use

4.6

Value for money

4.5

Customer support

4.2

Functionality

4.6

Holly H.

Verified reviewer

Hospital & Health Care

10000+ employees

Used daily for more than 2 years

Review source

Reviewed February 2026

PayPal is always favored

Overall, the experience with PayPal has been fantastic. Its easy to keep track of everything and customer support is great

Ratings Breakdown

Ease of use

Functionality

Pros:

I still love the convenience of this platform. Payments are instant, tracking is effortless and most people have access

Cons:

I honestly have nothing negative to say about paypal. We've never had any negative issues or experiences

Sergi F.

Verified reviewer

Business Supplies and Equipment

Self-Employed

Used daily for more than 2 years

Review source

Reviewed January 2026

The standard for getting paid quickly even if the fees sting.

I’ve used PayPal for my freelance business for years, primarily because it removes friction for my clients. When I send a PayPal invoice, I know my client can pay it in two clicks, which means I get paid faster. That convenience is the main reason I stick with it. The platform is incredibly reliable.I’ve never lost money and transfers to my bank are usually instant now. However, the trade-off is the cost. Between the transaction fees and the currency conversion rates (international clients), you end up losing a significant chunk of your earnings. It’s a solid tool that I rely on daily.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Client Trust & Speed. Everyone knows PayPal. Clients never hesitate to pay via PayPal. Invoicing is surprisingly good! For a freelancer, the built-in invoicing tool is actually great. I can save client details, generate a PDF, or just send a direct link in seconds. It looks professional enough without needing extra accounting software.

Cons:

The Fees. This is the big one. If you invoice $1,000, seeing $30-$40 vanish immediately hurts. If the client pays in a different currency, the exchange rates PayPal offers are usually quite poor compared to market rates. Customer Support. It is incredibly difficult to reach a human if something goes wrong. You often get stuck in loops with automated bots.

Reasons for choosing PayPal

While Stripe has slightly better fees, it requires more technical setup or a separate third-party invoicing tool. PayPal is an all-in-one solution.

Reasons for switching to PayPal

Chasing clients for wire transfers was a nightmare. It required them to go to their bank, which delayed my payments.

Verified

Reviewer

Public Relations and Communications

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed January 2026

PayPal gets online payments right

I use the platform for automatic payments from clients and vendors. It's a seamless process that just works.

Ratings Breakdown

Ease of use

Customer support

Previously 4

Functionality

Pros:

PayPal is easy to use for personal and business transactions even if you don't have a PayPal account. The platform's customer service team has gotten better at helping you recover bad charges, etc. I really feel secure when doing transactions via PayPal vs. some other platforms.

Cons:

There's nothing that I dislike about the platform. It has really improved in recent years so I see no need to switch to another platform.

Larry H.

Verified reviewer

Business Supplies and Equipment

51-200 employees

Used weekly for more than 2 years

Review source

Reviewed December 2025

Paypal is my go to

Overall i give pay pal 6 stars. Above 5. Every money instution has cons bout them .but paypal goes above and beyond for there customers to help them have a great experience with paypal.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The ease of use of there website and the quick response from There customer support is top notch compared to cashapp or chime.

Cons:

If someone sends you money from there checking account it takes up 5 days for you to get your money.

Reasons for choosing PayPal

Paypal is top not h professionals when it comes to helping manage and maintaining your money when you choose paypal.

Reasons for switching to PayPal

Paypal cares about there customers like they are part of a family.

Debbie M.

Verified reviewer

Accounting

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed December 2025

Paypal - Security in Purchasing

I feel confident using PayPal, knowing I can dispute any purchase if the product doesn’t arrive or fails to meet expectations.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I value the security PayPal provides and would prefer to use this method for payment. Its support system protects both buyers and sellers, while the platform itself is simple, reliable, and cost‑effective. I regularly use PayPal to receive and pay invoices, and it consistently proves to be a convenient solution. I haven't come across any bugs or issues at this stage.

Cons:

I don’t believe the product offers extensive customization, though I haven’t explored it in detail to be certain.

Reasons for choosing PayPal

Customer Service was key - the ability to query purchases adds more security and avoid be exposed to scams.

Hyeong L.

Verified reviewer

Health, Wellness and Fitness

2-10 employees

Used daily for less than 2 years

Review source

Reviewed January 2026

PayPal for Small Business

Overall, I like using PayPal for POS for my small business. I switched from Square and do not regret it

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like that PayPal makes the funds instantly available after checking out. I like that you can access your personal account and business account within the same app.

Cons:

For the business account, creating an invoice is a bit complicated. There is not a simple way to create a payment link. You have to navigate to listing an item on social media in order to create a payment link.

Reasons for choosing PayPal

Because PayPal was easier to set up and easier to use.

Reasons for switching to PayPal

Because I wanted to try a different payment processor

Harisathwik V.

Verified reviewer

Entertainment

Self-Employed

Used weekly for more than 2 years

Review source

Reviewed January 2026

Go to platform for receiving international funds

Super, good and highly recommend as they have been in the market from long time. Good support available in case needed.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like the easy use of the app, navigation, design etc in terms of design. When it comes to overall product, no matter which country you receive funds PayPal supports real time currency conversion. Customer Support is good. Issuing of invoice, bills, generating tax invoice is convenient as well. Worth using

Cons:

No matter the size of the funds received PayPal charges fixed fee per payment which affects small vendors a lot. Should consider fees based on fund amount. No wallet option available.

Reasons for switching to PayPal

Easy setup, low fees per transaction, real time withdrawal of funds

Jose A R.

Verified reviewer

Information Technology and Services

Self-Employed

Used weekly for more than 2 years

Review source

Reviewed January 2026

Highly recommended online payment solution

Having a free PayPal account is essential for making secure and fast payments as a user. As a payment gateway for online store owners, they should improve their service fees.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It's quite easy to use. As a user, it allows you to have a centralized wallet with different payment methods that you can use on any website that integrates with PayPal. You can also maintain a balance in your PayPal account by topping it up, receiving payments from other users, and then transferring that balance wherever you want or reusing it for payments. PayPal's buyer protection is also very good, and they even allow you to split payments. Online store owners can also quickly integrate the PayPal payment gateway.

Cons:

The payment gateway for online store owners has rather high fees compared to other gateways. The times I've contacted support, they haven't been very quick to respond either.

Reasons for choosing PayPal

I haven't ruled out the other alternatives; I'm using them in parallel

Robert F.

Verified reviewer

Non-Profit Organization Management

51-200 employees

Used daily for less than 6 months

Review source

Reviewed December 2025

Most Requested Alternate Payment

We now accept ACH, VISA, MC, AMEX, and members asked for PayPal so we added it. Flawless interactions.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy online payments. Easy to set up, no issues on payment installation. Most requested alternate payment method

Cons:

None to speak of. As a non-profit with over 5,000 members, we needed to find the easiest online payment methods.

Reasons for choosing PayPal

Most requested payment option, never knew people wanted it so much and glad we installed it.

Brittany B.

Verified reviewer

Hospital & Health Care

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed January 2026

PayPal makes my life easier

Have not had any issues with this product and universally accepted with most local businesses in my area

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

PayPal is easy to use for anyone new to payment transfers. It’s one of my favorites in terms of money transactions

Cons:

It does take some time to load every now and then but all in all a great product for everyday users.

Reasons for switching to PayPal

Cleaner platform and easier to use for my everyday purchases

Showing 1 - 10 of 26110 Reviews

See All Reviews

PayPal FAQs

How much does PayPal Zettle cost?
PayPal Zettle, which is a point-of-sale (POS) system that enables businesses to accept card payments, costs $29 for the first card reader, and $79 for additional card readers after that. PayPal Zettle uses hardware like receipt printers, barcode scanners, and terminals to receive payments. There are no monthly fees for using Zettle, but standard PayPal transaction fees do apply.
Is PayPal software as a service?
No, PayPal is not technically a software-as-a-service (SaaS) company, but it plays a crucial role in powering digital payments, especially for software companies. It provides features such as secure online payments, multi-currency support, and integrations with eCommerce platforms. PayPal enables businesses to process transactions globally, making it a widely used solution for digital payments across industries.
Can PayPal be trusted?
Yes, PayPal is a trustworthy and legitimate company for businesses. PayPal reviews on Software Advice highlight its fast payments, user-friendly platform, and multiple security factors. However, users should always be cautious of sending and receiving money on the platform and verify that any merchants are legitimate.
How do I avoid PayPal fees?
To avoid PayPal fees, individuals can send and receive money via the 'Friends and Family' option and pay with a bank account. However, for businesses, this would violate PayPal's terms of service. For businesses looking to reduce their fees, they should receive payments in the same currency as clients and apply for lower fees if they earn more than $3,000 per month.
What are the pros and cons of PayPal?
Positive PayPal reviewers on Software Advice mention its easy mobile payments, detailed transaction monitoring, fast ACH payments, and robust security and buyer protection. Cons from users include high business and international transaction fees, which can quickly add up. Some PayPal reviews also mention issues with handling disputes.