# PayPal vs Square Virtual Terminal - 2026 Comparison - Software Advice > PayPal vs Square Virtual Terminal - See how these products stack up against each other with real user reviews, product feature comparisons and screenshots. Find out which one is best for your organization. Source: https://www.softwareadvice.com/retail/paypal-profile/vs/square-virtual-terminal --- [Home](https://www.softwareadvice.com/) / [Payment Processing Software](https://www.softwareadvice.com/online-payment/) / PayPal vs Square Virtual Terminal 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. Updated June 18, 2026 # PayPal vs. Square Virtual Terminal: 2026 Comparison Skip hours of research. Get your top 5 matches from an expert in 15 minutes, 100% free. Free Expert Guidance Real Human Advice 1M + Businesses Helped Updated June 18, 2026 # PayPal vs. Square Virtual Terminal: 2026 Comparison Skip hours of research. Get your top 5 matches from an expert in 15 minutes, 100% free. Free Expert Guidance Real Human Advice 1M + Businesses Helped Product comparison Compare up to 3 products side-by-side + Add product [](https://www.softwareadvice.com/retail/paypal-profile/) [PayPal](https://www.softwareadvice.com/retail/paypal-profile/) 4.6 [(26463)](https://www.softwareadvice.com/retail/paypal-profile/reviews/) Starting Price Not provided by vendor Free trial Free version Pros: - Strong security features - Global reach Cons: - High transaction fees - Confusing interface Who uses PayPal Based on 26463 reviews - Popular among: Small businesses - Most common industries: Retail, Consumer Goods & Services (14%), IT & Software Development (12%) and Professional Services (11%) - Top use cases: Payment Processing (19%), Billing and Invoicing (7%) and Online Ordering (6%) 83% of users recommend this product [](https://www.softwareadvice.com/online-payment/square-virtual-terminal-profile/) [Square Virtual Terminal](https://www.softwareadvice.com/online-payment/square-virtual-terminal-profile/) 4.7 [(36)](https://www.softwareadvice.com/online-payment/square-virtual-terminal-profile/reviews/) Starting Price Not provided by vendor Free trial Free version Pros: Not enough reviews Cons: Not enough reviews Who uses Square Virtual Terminal Based on 36 reviews - Top use cases: Payment Processing (25%), Mobile Credit Card Processing (3%) 83% of users recommend this product [](https://www.softwareadvice.com/retail/paypal-profile/) PayPal 4.6 [(26463)](https://www.softwareadvice.com/retail/paypal-profile/reviews/) [](https://www.softwareadvice.com/online-payment/square-virtual-terminal-profile/) Square Virtual Terminal 4.7 [(36)](https://www.softwareadvice.com/online-payment/square-virtual-terminal-profile/reviews/) + Add product Add product ## User satisfaction * * * 4.6 Based on 26,463 reviews Ease of use 4.6 Value for money 4.5 Customer support 4.2 Functionality 4.6 4.7 Based on 36 reviews Ease of use 4.8 Value for money 4.4 Customer support 4.1 Functionality 4.6 ## User interface * * * ## Key features Features selected based on 26,499 reviews from Payment Processing * * * ACH Payment Processing 4.3 Billing & Invoicing 4.4 Debit/Credit Card Processing 4.5 In-Person Payments 4.3 Mobile Payments 4.6 Multi-Currency 4.4 ACH Payment Processing N/A Billing & Invoicing 5.0 Debit/Credit Card Processing 4.6 In-Person Payments 5.0 Mobile Payments N/A Multi-Currency N/A ### Wondering if these products fit your needs? Skip the manual research. Talk to a real advisor like Lexi to get a 100% free, personalized shortlist in 15 minutes. LexiAdvisor for 8 years ### Wondering if these products fit your needs? Skip the manual research. Talk to a real advisor like Lexi to get a 100% free, personalized shortlist in 15 minutes. LexiAdvisor for 8 years ## Integrations * * * [ ShopifyIntegration rated 4.6 from 192 reviews ](https://www.softwareadvice.com/retail/shopify-profile/)[ BigCommerceIntegration rated 4.7 from 32 reviews ](https://www.softwareadvice.com/ecommerce/bigcommerce-profile/)[ QuickBooks OnlineIntegration rated 4.7 from 56 reviews ](https://www.softwareadvice.com/product/393202-QuickBooks-Online/) [ Square InvoicesNot enough reviews ](https://www.softwareadvice.com/accounting/square-invoices-profile/)[ Square Point of SaleNot enough reviews ](https://www.softwareadvice.com/retail/square-point-of-sale-profile/)[ QuickBooks MoneyNot enough reviews ](https://www.softwareadvice.com/product/369374-QuickBooks-Money/) ## Reviews * * * AE Amrin E.Marketing DirectorLegal Services, 51-200 employees "For example, while handling transactions for projects associated with Medilenz (https://medilenz.com), PayPal provided a convenient way to receive payments from clients in different countries. Although the fees could be more competitive, the platform's reliability, security, and global reach make it a practical choice for international transactions." Jun 4, 2026 BZ Briana Z.Art InstructorArts and Crafts, Self-Employed "I also found that products like PayPal Working Capital, while convenient, can become costly due to the fixed fees and automatic repayment structure, which may put pressure on cash flow during slower business periods." Jun 12, 2026 Heather T.Commercial CleanerHospitality, 2-10 employees "While Square Virtual Terminal's transaction costs and customization choices may be better, it provides a flexible, secure, and user-friendly alternative for handling payments and business activities." Jul 24, 2024 VR Verified ReviewerOwnerRetail, 2-10 employees "However, when you're at an event, whether it's on secured wi-fi or mobile data, the connection is really flakey." Apr 13, 2022 ## Customer support * * * Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 Chat Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 Chat ## Training options * * * In Person Live Online Webinars Documentation Videos In Person Live Online Webinars Documentation Videos ## Popular Comparisons * * * [Stripe vs PayPal](https://www.softwareadvice.com/compare/49509-Stripe/vs/104664-paypal/)[Square Point of Sale vs PayPal](https://www.softwareadvice.com/retail/paypal-profile/vs/square-point-of-sale/)[Stax vs PayPal](https://www.softwareadvice.com/retail/paypal-profile/vs/stax/)[Square Payments vs Square Virtual Terminal](https://www.softwareadvice.com/online-payment/square-payments-profile/vs/square-virtual-terminal/)