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What Is PayPal?

With a simple, single integration you can accept debit and credit cards, PayPal, PayPal Credit, 10+ local payment methods in over 100 currencies and from 200+ markets around the world.

Who Uses PayPal?

PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions.

PayPal Software - PayPal checkout
PayPal Software - PayPal payments
PayPal Software - Paypal’s financial summary report in CSV format

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Reviews of PayPal

Average score

Overall
4.7
Ease of Use
4.6
Customer Service
4.3
Features
4.6
Value for Money
4.5

Reviews by company size (employees)

  • <50
  • 51-200
  • 201-1,000
  • >1,001
Calvin
Calvin
Marketing manager in South Africa
Verified LinkedIn User
Marketing & Advertising, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

PayPal Software Review.

5.0 last month New

Comments: Its a flexible payment options – customers can pay using their PayPal balance, credit card, debit card, or linked bank account. I like that a lot about it. and that it makes it easier for online marketers to do business without worrying about payments methods.

Pros:

I like that its a global online product and the fast payments – I can receive payments instantly. No waiting for checks or long bank transfers. and I like that PayPal works in many countries and supports different currencies. Lastly its easy to set up – I can add PayPal to my website or online store quickly without needing advanced tech skills.

Cons:

Fees Can Be High – PayPal charges transaction fees, which can add up, especially for small businesses or frequent sales, and for holding funds up to 21 days on other transactions.

Carlos Sebastian
Interpreter in Argentina
Telecommunications, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source

Pay pal old user!

5.0 2 months ago New

Comments: Well for more than 2 years, I had some issues, but they fixed without any problems.

Pros:

It's world wide, so you can connect with everything

Cons:

It's kind of difficult to recognize some real users

Cassandra
Quality Rater in US
Information Technology & Services, 201–500 Employees
Used the Software for: 2+ years
Reviewer Source

Paypal's lack of transparency and efficient communication makes it a risky option as a financial provider.

2.0 2 months ago New

Comments: Paypal places many barriers between the customer and vital information making my overall experience very frustrating. This is made even more inconvenient by the lack of online support making it difficult to reach the right people when a problem arises. Paypal has caused numerous disruptions in my financial well being due to these issues.

Pros:

Paypal is widely accepted as a payment option for online transactions, making it a convenient payment option when shopping online.

Cons:

Lack of account transparency such as the ability to view declined transactions. Additionally, the lack of easily accessible online support like many other payment providers offer as their digital experience. There does not seem to be any explanation as to why users are unable to view declined transactions and where the charge is coming from. This is extremely inconvenient and is potentially a security risk as monitoring all transactions towards any funding account is essential for monitoring unusual activity.

Troy
Executive Director in US
Religious Institutions, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Alternatives Considered:

Easy, Versatile, Multi-Faceted, and Reliable

5.0 3 months ago

Comments: Overall, PayPal is easy to set-up, and can be used over a multitude of distribution channels, on websites, phone apps, in e-mail campaigns, and in person, too. The functionality is intuitive, and PayPal requires minimal orientation/training for people to use. I highly recommend it.

Pros:

There are a number of ways that an organization can use PayPal, from using it as a tool to collect money for a specific purpose, to being able to collect money on site in a retail sale, to fundraising and soliciting donations for an organization, etc. It's varied, versatile, and easy-to-use.

Cons:

The back-end reporting that PayPal offers has improved, but it could be improved a bit further, helping an organization know more about who is interacting with it, etc.

John
Security Ambassador in US
Hospital & Health Care, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source

PayPal is the best!

5.0 3 weeks ago New

Comments: I use PayPal to pay and receive money whenever applicable

Pros:

A super and secure easy to use online payment system

Cons:

Currently i have zero issues with PAYPAL

L
L
trainer in US
Verified LinkedIn User
Entertainment, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

paypal ... good until it isnt

5.0 2 months ago New

Comments: for the majority of the time i found it extremely effective in money management

Pros:

i liked the fact you can send invoices , send payments to visa direct or venmo and accept swipe paymemts as well

Cons:

the security is great however it lacks unatuomated overides from custmer service representatives and inforces verification protocols that cant be addressed by sparsly available cusotmer service

Zach
Zach
None in UK
Verified LinkedIn User
Retail, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

My review about PayPal and what I love about it

5.0 2 months ago New

Comments: PayPal is really good and I can always use it to put my money on my HSBC debit card.

Pros:

PayPal is something you can use to withdraw your money into your bank. You can also use PayPal to buy stuff on eBay as well and you can also use PayPal to add money.

Cons:

It can sometimes give me errors and it logs me out automatically for no reason.

Elle
Elle
Company owner in Spain
Verified LinkedIn User
Design, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Trusted and respected

4.0 last month New

Comments: Mainly positive. I did have an issue a few years ago but PayPal helped me retrieve my funds.

Pros:

It is a well established and trusted brand. I've been using it for many years and many clients trust it.

Cons:

It doesn't transfer my funds to my bank as quickly as other online payment providers.

Ashley
Ashley
Small Business Owner in US
Verified LinkedIn User
Consumer Services, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Pay with PayPal...

4.0 2 months ago New

Comments: I've had an overall good experience with PayPal. It's made my life easier.

Pros:

I Iike that I'm able to cash out my virtual Visa cards and pay online fast

Cons:

I don't like that your account can be limited at any time for no reason.

Nedim
Nedim
Digital Marketing Manager in Serbia
Verified LinkedIn User
Marketing & Advertising, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

User-friendly payment app

5.0 4 weeks ago New

Comments: Allows transactions in multiple currencies, making it ideal for international payments. User-friendly app for managing payments on the go.

Pros:

Setting up and using PayPal is simple for both personal and business transactions.

Cons:

Charges high fees for international transfers.

Nkosinathi
Operations manager in South Africa
Verified LinkedIn User
Package/Freight Delivery, 11–50 Employees
Used the Software for: 1+ year
Reviewer Source

PayPal is still the best despite it's short comings.

5.0 4 months ago

Comments: PayPal is a wonderful piece of software having used it for two years despite its minor issues with handling disputes, other wise its great and would definitely recommend it.

Pros:

It's simplicity and fast processing of payments.

Cons:

Handling of disputes,the app becomes inadequate in such matters.

Emily
Piano and Voice Instructor in US
Education Management, Self Employed
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Secure and easy to use

5.0 3 months ago

Comments: Overall, I haven't had any trouble with PayPal in the 10+ years I've been using it, both as a customer and as a seller.

Pros:

PayPal has gotten much easier to use over the last several years. The app actually works great and I've never had any issues with it. Sending and receiving money is easy, and being able to see all of your recent activity is great. Generating reports on the business side is also nice.

Cons:

For some reason, a lot of people still don't trust PayPal and won't use it. Also as a seller, PayPal fees are pretty high.

SALAMI
SALAMI
marketer in US
Verified LinkedIn User
Marketing & Advertising, Self Employed
Used the Software for: 1+ year
Reviewer Source

PayPal Review

4.0 2 months ago

Comments: My experience with PayPal has been positive; It's a simple and quick way to send and receive money online, and both the website and mobile app have an intuitive user interface.

Pros:

Its security and usability for online payments, which allow customers to send and receive money without giving businesses all of their personal information.

Cons:

PayPal block users and freeze and hold funds from accounts without warning, which irritates users.

Saemi
Saemi
artist in US
Verified LinkedIn User
Entertainment, Self Employed
Used the Software for: 1+ year
Reviewer Source

Expensive..

3.0 5 months ago

Comments: It’s good to use on any website and offers various features; however, I hesitate to use it for every transaction.

Pros:

It’s convenient to use on your own website, and it offers various options. They also accept Venmo.

Cons:

It has an expensive fee per single transaction.

Verified Reviewer
Verified LinkedIn User
Writing & Editing, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source
Source: GetApp

Protecting Scammers and Defrauding Customers

1.0 3 months ago

Comments: Paypal is definitely protecting scammers. I had two transactions recently that I sought a refund on. Both times the seller turned out to be a Chinese scammer. I submitted all the evidence to Paypal, including pre-existing reports to Scamwatch and police. They didn't even bother to read my complaint, let alone look at any of the attachments I sent. I pushed things further, providing more evidence not just of how I'd been scammed, but also how this particularl seller was operating dozens of fraudulent businesses in Australia. Paypal ignored that too. They've also refused reunds on faulty goods, goods that were nothing like what I ordered, and goods that never arrived. Paypal definitely don't protect the customer and actually make it deliberately hard to seek a refund. On top of that, they charge an extra 10c in every dollar on top of the current exchange rate from AUD to USD (and other currencies). That's not fees and charges which are additional, but them deciding what the exchange rate is and setting it 10c higher than the actual exchange rate, and then they prevent you from having the currency exchange handled by your bank or another institution. Paypal collects that extra money. So as well as not standing by their own, much-advertised customer protection policy, they actively support scammers and are themselves defrauding customers. Maybe it's time all the disgruntled customers got together and started a class action against Paypal?

Pros:

Nothing. There is nothing to like about Paypal.

Cons:

It does not protect customers (but it does protect scammers); customer service is non-existent; the account setup is hard to navigate; there is no buyer protection; Paypal is extorting money by setting its own exchange rates; the refund process is deliberately opaque to put people off making complaints; there is no way to seek restitutation from Paypal itself without engaging in a lengthy legal process.

Marcia
Rustic Things in US
Verified LinkedIn User
Arts & Crafts, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Paypal Platform

3.0 6 months ago

Comments: My overall experience with PayPal is more frustrating to me then satisfied. Paypal does have many restrictions and verifications on their platform, which is good, but when you continuously get denied moving your own money it becomes very frustrating.

Pros:

I like Paypal's platform the most. The mobile app is easy to get around, options to buy and sell Bitcoin, add multiple debit cards in one place, earn cash back and rewards from different merchants and several others options to choose from.

Cons:

What I dislike the most about Paypal is their approach to keep your account verified, authenticated, and protected is so extreme, it enables you to access or move money in your account. Paypal will also put a hold on your account for months at a time if they assume you are selling an item on the platform, leaving you unable to access your money until the hold is lifted.

Steve
Owner and Chief Bottle Washer in US
E-Learning, Self Employed
Used the Software for: 2+ years
Reviewer Source

PayPal-It's Been a Long Great Trip

5.0 4 months ago

Comments: Since 2006, both PayPal and my business have gone through changes, and both of us have had good and bad changes. PayPal has changed for the good (so have I, but this is not about me) and sometimes it is a hassle to learn these changes but that is just part of the business.
Overall, like any long-term relationship, there are ups and downs; luckily for me, the downs are short, and the u[ps are long.

Pros:

Reliability is at the top of the list. PayPal as been around as long as I've been doing business online.

Cons:

Listing something of a Con with PayPal is difficult because everything I think of turns out to be 'operator error' and has little to do with PayPal itself. I am sure there are negative points to any system that holds onto your funds, but so far (since 2006), I have not encountered any. <knocks on wood>

Destiny
CEO and Designer in US
Design, Self Employed
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

A decent payment processing solution with some drawbacks

4.0 9 months ago

Comments: I think overall PayPal is okay, but many of the issues I've had, had the potential to turn into a lot bigger issues. I would say it's probably no longer the best option for payment processing.

Pros:

They have one of the shorter wait times for payouts/balance transfers compared to other platforms I've used. Many people are familiar with them and many companies/organizations still use them which often lends itself to an easier check out process. I like that it has pay later options for my clients.

Cons:

Paypal was once one of the most trusted and secure payment processors, but there have been many points of failure over the years and I am not as confident about it as I once was. I have previously had some issues with fraudulent purchases made using my account. In my experience their customer service has not been the best often because of language barriers leading to my concerns not being understood/addressed. I don't like how difficult it is to change the settings so that non-PayPal users can make payments using PayPal. The buyer-protection is not great either, I purchased a product that was misrepresented in the photos and description and even when I couldn't get a hold of the company to go through with returning it, PayPal would not grant me a refund. The same thing happened when a company that was going out of business kept recurring charges going even though they were no longer providing me the service and hadn't for months, I sent PayPal all requested documentation and they didn't refund me or remedy the issue at all.

Dr.Enoch
Facilities Manager in UK
Hospital & Health Care, 5,001–10,000 Employees
Used the Software for: 2+ years
Reviewer Source

The best of all times payment solution

5.0 3 weeks ago New

Comments: Ive been using PayPal for a long time and all i can say is i am amazed

Pros:

I like the fact that i can keep my money safe The interface is intuitive It is easy to use It provides legit security It is cost effective

Cons:

No concerns at all Paypal really is the best

Nwidag
Data Analyst in Nigeria
Financial Services, 201–500 Employees
Used the Software for: 2+ years
Reviewer Source

PayPal Review

5.0 2 months ago New

Comments: PayPal is available in many countries and it is easy to use.

Pros:

PayPal is a secure platform and it has a user-friendly interface. It is good for online business. It has seamless Integrations. It is easy to use and implement.

Cons:

There is nothing that is wrong with this platform.

Myra
Internet Entrepreneur.business owner in US
Internet, Self Employed
Used the Software for: 2+ years
Reviewer Source

All About PayPal

5.0 last year

Comments: Overall my experience with PayPal has been excellent and I plan to be a customer of theirs for many years to come

Pros:

What I like about Paypal the most is their customer service PayPal has many great features but I have to give their customer service a five-star rating because they are always there to help whenever you need them

Cons:

The thing I like least about PayPal is the fee for transferring money from PayPal to your bank but all companies have to charge some fee and there's is what was it quite low compared to most

CHADI
AGENT CUSTOMER SERVICE in Lebanon
Facilities Services, Self Employed
Used the Software for: Free Trial
Reviewer Source

PayPal is an online payment system that allows individuals and businesses to conduct financial transactions online easily .

5.0 4 months ago

Pros:

PayPal is a great site that allows me to receive money quickly and safely and provides me with protection when purchasing online. It also has the ability to link the account with the debit card.

Cons:

One common criticism of PayPal is its fees, especially for certain transactions like international transfers or receiving payments for goods and services.

AHMED
digital creator in Morocco
Graphic Design, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

i really liked my paypal experience

5.0 9 months ago

Comments: As a user of PayPal for nearly eight years, I concluded that it maintains the security and confidentiality of user data, and there is no room for anyone to scamming the other, which increases the trust of customers, and I personally recommend it to everyone I know

Pros:

What I like a most about PayPal is that it is easy to use and more than that our data is safe and protected

Cons:

Frankly, so far I have not faced any problem, so there are no negatives that I have about PayPal

Zakaria
Assistant Manager in Australia
Management Consulting, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Reliable Payment Gateway Program

5.0 3 months ago

Comments: Sending and receiving payments instantly is what I relish a lot with PP.

Pros:

It is over a decade now ever since I started using PayPal. I like that it makes it easy to pay and get paid online across the globe 🌎.

Cons:

I have never had any issues with PayPal for the 10+ years that I have been using it.

Kristan
Architect in UK
Architecture & Planning, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source

PayPal makes payments easy

5.0 2 months ago New

Comments: Overall I am really pleased with PayPal. It has helped me resolve disputes with customers and provides a sense of confidence for consumers.

Pros:

PayPal is a great platform for consumers and businesses. It gives people the confidence of a secure platform for transactions. It's new and updated escalation procedures also make it easy for customers to dispute payments,

Cons:

One of the cons I have found with PayPal is that it is no longer possible to make collections without a fee. This was a useful tool in our office when we were doing a present for someone in the office.