# PayPal Software 2026: Features, Integrations, Pros & Cons | Capterra > Capterra's in-depth exploration of PayPal Software's capabilities reveals its suitability for various software needs and provides a comprehensive overview of PayPal Software pricing, features, integrations, and potential alternatives. Source: https://www.capterra.com/p/207944/PayPal --- # PayPal Software Review 2026: Features, Integrations, Pros & Cons Last updated on October 16, 2025 Written byPreksha Buttan Preksha Buttan Preksha Buttan is a writer at Capterra. She provides insights to help small 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 ad... [See bio & all articles](https://www.capterra.com/resources/author/pbuttan/) Edited byMehar Luthra Mehar Luthra Content Editor Mehar has been a team lead at Capterra for nearly three years, helping shape educational articles, thought leadership research reports, and content designed to help businesses compare software to find the best fit. She's spent nearly a decade... [See bio & all articles](https://www.capterra.com/resources/author/mehar-luthra/) Content Editor Written by [Preksha Buttan](https://www.capterra.com/resources/author/pbuttan/) Preksha Buttan is a writer at Capterra. She provides insights to help small 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. Edited by [Mehar Luthra](https://www.capterra.com/resources/author/mehar-luthra/) Content Editor Mehar has been a team lead at Capterra for nearly three years, helping shape educational articles, thought leadership research reports, and content designed to help businesses compare software to find the best fit. She's spent nearly a decade in the editorial space, having served as a content writer, editor, editorial head, and now as a team lead. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider’s website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Key takeaways](#key-takeaways)[Our verdict](#our-verdict)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Interface](#interface)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) PayPal PayPal Overview: ### Key takeaways Insights from verified Capterra reviews PayPal helps businesses manage digital payments, invoicing, and mobile transactions across eCommerce and service workflows. It’s most used by marketing, IT services, and retail teams. Reviewers highlight its mobile access and real-time alerts, but pricing and fraud resolution are common concerns. ### Our verdict The platform suits small and midsize businesses (SMBs) that need fast, secure digital transactions with mobile access and global reach. While its pricing model may stretch smaller budgets, the trade-off is access to advanced checkout tools and real-time alerts. Buyers should weigh fee structures and support responsiveness before committing. Top alternative Featured Overall rating Based on 26,337 user reviews Reviews sentiment Positive 94% Neutral 4% Negative 2% Pros & cons Intuitive and accessible interface Secure online transaction experience High and confusing transaction fees Inconsistent fraud and dispute handling Starting price $0.09 Per User, Per Month Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for PayPal?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.paypal.com&name=PayPal) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### PayPal 4.6 (26,337) VS. [4.6 (3,326)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price $0.09 Other Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (26,315) Ease Of Use 4.5 (3,315) Value For Money 4.5 (20,175) Value For Money 4.3 (2,519) Customer Service 4.2 (20,430) Customer Service 4.2 (2,270) ## PayPal alternatives PayPal may not suit teams seeking more flexible branding, lower transaction fees, or deeper point of sale (POS) integrations. Explore other payment processing tools that better align with your business priorities and interface preferences. [4.2 (2,006)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [3.8 (714)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 68% of reviewers rated it above 4 stars [4.1 (118)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 75% of reviewers rated it above 4 stars [4.2 (1,298)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/207944/PayPal/alternatives/) ## Who uses PayPal? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Intuitive and accessible interface 95% positive reviews out of 6125 Most reviewers find ease of use valuable, noting the intuitive interface, simple navigation, and straightforward setup for both personal and business tasks across devices. Danwil R Owner and Founder, 1 employee. "The user interface is intuitive, making it easy to navigate through the various features." High and confusing transaction fees 68% negative reviews out of 2803 Most users comment that fees are a major drawback, mentioning high costs, unclear fee structures, and frustration over charges for various transactions, especially compared to alternatives. Blair G CEO, 1 employee. "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." Secure online transaction experience 96% positive reviews out of 888 Most users report safe transactions as essential, highlighting robust security measures, longstanding reputation, and peace of mind when sharing financial details or making purchases online. Inconsistent fraud and dispute handling 66% negative reviews out of 1147 Some users report fraud protection as problematic, citing slow dispute resolution, challenges recovering funds, and policies that sometimes favor scammers or make sellers vulnerable. Alda C Business Owner, 1 employee. "Anyone can make a claim against a client, and they don't even ask for evidence, and give your money away." Consistent trustworthy payment platform 97% positive reviews out of 687 Most reviewers describe reliability as a key reason for choosing PayPal, citing consistent performance, trusted brand reputation, and dependable transaction processing for both business and personal use. Beth A Copywriter, 2 - 10 employees. "I've had a go with PayPal and Stripe for this and definitely find PayPal easier and more reliable." Limited global service coverage 58% negative reviews out of 808 Some reviewers describe country availability as restrictive, noting difficulties accessing features, receiving payments, or managing accounts due to regional limitations and unsupported countries. Mena I Assistant Manager, 501 - 1,000 employees. "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." ## PayPal's interface The interface is generally intuitive, and users appreciate the clarity of its dashboard and mobile app. However, some mention cluttered layouts and difficulty locating key features, especially on mobile. Plus, navigation is straightforward but can feel inconsistent across devices. Preksha Buttan PayPal’s mobile app makes sending payments and tracking transactions simple. But when it comes to things like viewing declined charges or resolving disputes, the process can feel clunky and unclear. That slows things down and can shake your confidence. Ease of Use 4.6 (26,315) 4.6 Based on 26,315 reviews ## Key features View by: These features have been rated as most important by users based on their reviews. View by: Get Advice We can help you find the software with the features you need. Preksha Buttan PayPal’s top-rated features help businesses stay responsive and in control of their digital payments. Real-time alerts, mobile access, and secure processing combine to support fast decision-making and reliable financial operations across teams. Features 4.6 (26,305) 4.6 Based on 26,305 reviews The PayPal features below were rated the highest by reviewers. Our commentary is based on reviewer sentiment and collective feedback from reviews published in the past two years. Real-time alerts 4.9 (40) 40 reviewers rated this feature Keeps you informed about every transaction, login, or payment activity with instant notifications. This feature improves financial oversight and helps detect fraud early, especially for businesses managing frequent transactions. Online payments 4.5 (3,409) 3409 reviewers rated this feature Enables fast, secure global payments without sharing card details. Many buyers value the flexibility of linking multiple funding sources and using features like ‘Pay in 4’ for installment options. Dashboard 4.5 (63) 63 reviewers rated this feature Centralizes account data and transaction tools in one place. The interface is visually clear and easy to navigate, supporting efficient payment tracking and account management. Mobile access 4.4 (1,262) 1262 reviewers rated this feature Supports secure account management on the go with fingerprint login, two-factor authentication, and real-time alerts. It’s reliable and easy to use across devices. Data security 4.4 (2,909) 2909 reviewers rated this feature Protects sensitive information with encryption, authentication, and fraud detection. This builds trust and confidence in using PayPal for financial transactions. Payment processing 4.4 (3,329) 3329 reviewers rated this feature Handles instant transfers and global payments with ease. It integrates well with invoicing and eCommerce platforms, supporting smooth digital transactions. Expanded checkout 0 reviewers rated this feature Enables businesses to tailor the checkout experience with more payment options, layout control, and risk filters. This helps reduce cart abandonment and supports smoother transactions across devices and geographies. Virtual terminal 0 reviewers rated this feature Allows manual entry of card payments directly from a browser, making it easier to accept payments over the phone or in person without a physical card reader. Ideal for service-based businesses or remote billing scenarios. 24/7 Fraud analysis and order decisioning 0 reviewers rated this feature Provides continuous monitoring of transactions to detect suspicious activity and automate decisions. This helps reduce chargebacks and ensures legitimate orders are processed without delay. Custom rates and interchange plus pricing 0 reviewers rated this feature Offers tailored pricing models for high-volume merchants, enabling better cost control and transparency. Businesses can negotiate rates based on transaction volume and payment method mix. All key features (101) Provides continuous monitoring of transactions to detect suspicious activity and automate decisions. This helps reduce chargebacks and ensures legitimate orders are processed without delay. 0 reviewers rated this feature Define levels of authorization for access to specific files or systems 54.39% of 57 reviewers that rated this feature as important or highly important Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. 0.00% of 1 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) 54.39% of 513 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities 85.87% of 446 reviewers that rated this feature as important or highly important Generate one-off reports that meet information requirements 33.33% of 9 reviewers that rated this feature as important or highly important Software program that continuously adjusts its behavior based on observed data 83.33% of 12 reviewers that rated this feature as important or highly important Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges 82.35% of 68 reviewers that rated this feature as important or highly important Automatically identify unusual behavior 30.00% of 10 reviewers that rated this feature as important or highly important Application programming interface that allows for integration with other systems/databases 75.61% of 41 reviewers that rated this feature as important or highly important Verify the identity of users/devices to enable secure access 0% of 0 reviewers... Scan barcodes to ensure accurate pricing and label tracking 57.89% of 19 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers 47.36% of 965 reviewers that rated this feature as important or highly important Gateway through which end users can view past bills and pay current invoices 52.25% of 289 reviewers that rated this feature as important or highly important Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances 78.35% of 97 reviewers that rated this feature as important or highly important Detection of fraudulent checks to prevent financial losses 66.67% of 30 reviewers that rated this feature as important or highly important Track and manage adherence to policies for any service, product, process, or supplier 42.19% of 64 reviewers that rated this feature as important or highly important Centralized database of stakeholders and their contact information such as names, address, phone number etc. 39.58% of 288 reviewers that rated this feature as important or highly important Accept and process credit card transactions 77.57% of 526 reviewers that rated this feature as important or highly important Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system 50.00% of 4 reviewers that rated this feature as important or highly important Offers tailored pricing models for high-volume merchants, enabling better cost control and transparency. Businesses can negotiate rates based on transaction volume and payment method mix. 0 reviewers rated this feature Alter the layout and content of dashboards 30.77% of 13 reviewers that rated this feature as important or highly important Invoices that can be tailored according to company's branding, payment terms and personalized information 57.99% of 457 reviewers that rated this feature as important or highly important Centralizes account data and transaction tools in one place. The interface is visually clear and easy to navigate, supporting efficient payment tracking and account management. 63 reviewers rated this feature Import and export data to and from software applications 66.45% of 152 reviewers that rated this feature as important or highly important Ability to handle large datasets 77.78% of 9 reviewers that rated this feature as important or highly important Protects sensitive information with encryption, authentication, and fraud detection. This builds trust and confidence in using PayPal for financial transactions. 2909 reviewers rated this feature Graphical representation of data 68.42% of 38 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions 55.73% of 1954 reviewers that rated this feature as important or highly important Buyer isn't billed until the period is up without any interest charges 55.56% of 36 reviewers that rated this feature as important or highly important Allows customers to check out with wallet payment methods that digitally store credit and debit cards 88.00% of 25 reviewers that rated this feature as important or highly important Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products 42.64% of 197 reviewers that rated this feature as important or highly important Transfer of data from one computer system to another 0% of 0 reviewers... Electronically collect payments for goods or services 69.82% of 1269 reviewers that rated this feature as important or highly important Digitally sign online documents 43.87% of 310 reviewers that rated this feature as important or highly important Enables businesses to tailor the checkout experience with more payment options, layout control, and risk filters. This helps reduce cart abandonment and supports smoother transactions across devices and geographies. 0 reviewers rated this feature Monitor and record expenses such as purchases or charges incurred 72.00% of 25 reviewers that rated this feature as important or highly important Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk 76.47% of 51 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization 79.07% of 43 reviewers that rated this feature as important or highly important Generate reports to assess the financial performance of an organization 48.98% of 49 reviewers that rated this feature as important or highly important Intended to be used by banks 0% of 0 reviewers... Intended to be used by online stores 100.00% of 1 reviewers that rated this feature as important or highly important Designed for food trucks 100.00% of 1 reviewers that rated this feature as important or highly important For Retail Stores 64.29% of 42 reviewers that rated this feature as important or highly important Designed for small businesses 82.09% of 67 reviewers that rated this feature as important or highly important Identify and prevent suspicious activity 57.14% of 14 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee 44.40% of 518 reviewers that rated this feature as important or highly important Monitoring employee behavior for suspicious activity to detect internal fraud 55.56% of 18 reviewers that rated this feature as important or highly important Track and manage inventory levels to maintain proper supply 31.28% of 211 reviewers that rated this feature as important or highly important Create invoices from scratch or have recurring invoices 53.33% of 827 reviewers that rated this feature as important or highly important Store and view prior invoices for each account/client 48.36% of 639 reviewers that rated this feature as important or highly important Captures invoice data and maintains comprehensive records for auditing and reporting purposes 50.00% of 22 reviewers that rated this feature as important or highly important Creation, processing, verification, and execution of invoices till the payment is made 72.20% of 518 reviewers that rated this feature as important or highly important Reports specific to marketing and associated campaigns 100.00% of 1 reviewers that rated this feature as important or highly important Supports secure account management on the go with fingerprint login, two-factor authentication, and real-time alerts. It’s reliable and easy to use across devices. 1262 reviewers rated this feature You get the flexibility to send, receive, and manage money on the go with PayPal’s mobile payments. Some reviewers find it convenient, secure, and versatile for both personal and business use, though a few mention limited direct mobile wallet integration. 61.56% of 2599 reviewers that rated this feature as important or highly important Observe and track the demand, usage, progress or quality of a system, product, or user 25.00% of 4 reviewers that rated this feature as important or highly important Manage and handle various international currencies 60.21% of 842 reviewers that rated this feature as important or highly important Manage and support multiple locations 43.72% of 215 reviewers that rated this feature as important or highly important Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit 37.65% of 85 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application 46.37% of 910 reviewers that rated this feature as important or highly important Create, send, and view electronic invoices 57.25% of 952 reviewers that rated this feature as important or highly important Enables fast, secure global payments without sharing card details. Many buyers value the flexibility of linking multiple funding sources and using features like ‘Pay in 4’ for installment options. 3409 reviewers rated this feature Manage and track customer orders for goods, investments, or any other purchases 42.08% of 808 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. 62.97% of 2649 reviewers that rated this feature as important or highly important Integration with payment gateways to facilitate online transactions 90.08% of 373 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers 89.00% of 209 reviewers that rated this feature as important or highly important Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more 75.86% of 203 reviewers that rated this feature as important or highly important Handles instant transfers and global payments with ease. It integrates well with invoicing and eCommerce platforms, supporting smooth digital transactions. 3329 reviewers rated this feature Track sent and received payments, invoices, and bills. 100.00% of 6 reviewers that rated this feature as important or highly important Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) 43.92% of 296 reviewers that rated this feature as important or highly important Organize and manage the accomplishments and development of employees or performance of applications or systems 60.00% of 5 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software 44.06% of 320 reviewers that rated this feature as important or highly important Present a catalog of inventory that customers can view 30.43% of 23 reviewers that rated this feature as important or highly important Estimate or forecast of a future scenario based on the study of present trends 150.00% of 2 reviewers that rated this feature as important or highly important Design, communicate, and distribute incentives to perform a specific action 33.75% of 160 reviewers that rated this feature as important or highly important Keeps you informed about every transaction, login, or payment activity with instant notifications. This feature improves financial oversight and helps detect fraud early, especially for businesses managing frequent transactions. 40 reviewers rated this feature Receive data and information in real time 89.83% of 354 reviewers that rated this feature as important or highly important Active monitoring of systems, applications, or networks 79.17% of 24 reviewers that rated this feature as important or highly important Upload, track, and submit receipts in a central database 44.09% of 279 reviewers that rated this feature as important or highly important Generate recurring invoices 45.12% of 82 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service 46.35% of 507 reviewers that rated this feature as important or highly important Oversee the process of issuing refunds 63.18% of 220 reviewers that rated this feature as important or highly important Timed notification for any upcoming task, deadline, appointment, or activity 60.00% of 5 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data 46.58% of 438 reviewers that rated this feature as important or highly important Track and facilitate returns of products sold 56.42% of 257 reviewers that rated this feature as important or highly important Analyze potential risks across the organization 77.78% of 9 reviewers that rated this feature as important or highly important Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties 37.70% of 61 reviewers that rated this feature as important or highly important Set & manage permission levels based on user roles and restrict access to only authorized individuals 9.09% of 11 reviewers that rated this feature as important or highly important Reports specific to sales analysis for trends and strategies 45.16% of 31 reviewers that rated this feature as important or highly important Calculation of consumption tax imposed on the sale of goods/services 47.37% of 19 reviewers that rated this feature as important or highly important Set a time to generate routine reports automatically 63.64% of 11 reviewers that rated this feature as important or highly important Search and filter data across systems to locate required information by entering keywords or certain criteria 68.42% of 19 reviewers that rated this feature as important or highly important Online portal through which end users can access the system, manage tasks, or obtain information 57.14% of 70 reviewers that rated this feature as important or highly important Generate or print labels that contain shipping information for packages 0% of 0 reviewers... Manage and track orders being shipped to customers 36.64% of 232 reviewers that rated this feature as important or highly important Integrate with social media platforms such as Facebook, Twitter, LinkedIn, etc. 44.44% of 198 reviewers that rated this feature as important or highly important Track the status over time for a request, process, asset, or transaction 72.73% of 11 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period 69.23% of 208 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities 81.08% of 872 reviewers that rated this feature as important or highly important Allows manual entry of card payments directly from a browser, making it easier to accept payments over the phone or in person without a physical card reader. Ideal for service-based businesses or remote billing scenarios. 0 reviewers rated this feature Get Advice We can help you find the software with the features you need. Preksha Buttan PayPal’s top-rated features help businesses stay responsive and in control of their digital payments. Real-time alerts, mobile access, and secure processing combine to support fast decision-making and reliable financial operations across teams. Features 4.6 (26,305) 4.6 Based on 26,305 reviews ## Pricing Value for money 4.5 (20175) PayPal’s virtual terminal starts at $30 per month, with transaction fees of 3.39% plus $0.29 per card payment. PayPal and Venmo transactions cost 3.49% plus $0.49, while Pay Later adds 4.99% plus $0.49. This pricing is higher than the SMB average of $136 monthly and scales with transaction volume. Free Version [View pricing plan details](https://www.capterra.com/p/207944/PayPal/pricing/) Point of Sale $0.09 Other, Card Processing $0.29 Other, It includes: - Visa - Mastercard - Apple Pay - Maestro - American Express - Discover PayPal and Venmo $0.49 Other, It includes: - PayPal - Venmo Pay Later $0.49 Other, Value for money 4.5 (20,175) 4.5 Based on 20,175 reviews ## Integrations PayPal connects with a mix of eCommerce, billing, and payment platforms through native and third-party links. These integrations support online selling, invoicing, and mobile payments, helping SMBs streamline checkouts and financial workflows. Popular integrations [ WordPress](https://www.capterra.com/p/131687/WordPress/)[ Wix](https://www.capterra.com/p/169007/Wix/)[ Venmo](https://www.capterra.com/p/222572/Venmo-/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/)[ Squarespace](https://www.capterra.com/p/143461/Squarespace/)[ Xero](https://www.capterra.com/p/120109/Xero/) Preksha Buttan Senior Content Analyst Connecting PayPal with eCommerce and billing platforms helps your finance lead reduce manual entry, unify payment tracking, and speed up reconciliation—especially when managing multiple storefronts or recurring transactions. Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.2 (20430) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.2 (20,430) 4.2 Based on 20,430 reviews ## User reviews Overall rating 4.6 Based on 26,337 reviews Filter by rating 5(19496) 4(5261) 3(1057) 2(205) 1(318) Mentioned topic Sorted by most recent Hana R. Leader of Inventory Accounting ### "Simple to use, but the fees are not great" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 April 21, 2026 My overall experience with PayPal has been mostly positive. I use it because it is simple, clear, and convenient for veryday online payments. The app is easy to understand, and managing payments or checking transaction history is not difficult. I do not use invoicing very often, but it is nice that the option is there. Sometimes there are small issues or delays, but usually nothing serious. In general, PayPal is useful and reliable, but the fees make it a bit less worth it in some cases. Pros What I like most about PayPal is how easy it is to use. It makes online payments quick, and I like that I do not have to enter my card details every time. It also feels safe, and it is accepted on many websites. Cons What I like least about PayPal is the fees, especially for international payments or currency conversion. I think customer support could be better, because solving problems can take too long sometimes. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Melissa M. Teacher E-Learning ### "PayPal is consistently easy to use" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 21, 2026 I have had no problems finding people on PayPal or using the platform to receive or send money, whether it be to friends, family, or clients. Pros I like how it is easy to use and most of my friends, family, and clients also use it. This makes exchanging of money very easy. Cons Sometimes, I worry about the security of the transactions. I wonder if it is as safe as Zelle. Many people have switched. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RJ Rhonda J. Administrative Medical Practice ### "Pay Pal for Business and Personal " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 April 21, 2026 My over all with Pay pal it is great for personal use. just as great for a business use. Still finding some quirks that are needing to be worked out, But that is only because I like things a specific way. Pros pay pal is great of the. money, it is free, It save all my data. When I had to speak to customer support they were friendly and seemed very concerned about my problems, very eager to help fix them. Cons Pay pal was not a easy to get hooked up for my business account as it was my personal account. Invoicing was not how I wanted it to be set up. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. GA Giovanni A. Pagamenti Insurance ### "PayPal: pratico e sicuro, ma con qualche limite”" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 20, 2026 Nel complesso, la mia esperienza con PayPal è stata positiva. Il servizio è semplice da usare, veloce e molto pratico per effettuare pagamenti online e inviare denaro ad altre persone. Ho apprezzato in particolare la sicurezza e la comodità di non dover inserire ogni volta i dati della carta. Tuttavia, ci sono alcuni aspetti migliorabili, come le commissioni e la gestione di alcune pratiche da parte dell’assistenza clienti. Nonostante ciò, rimane uno strumento affidabile e molto utile nella vita quotidiana Pros Mi è piaciuta soprattutto la facilità d’uso: l’interfaccia è intuitiva e permette di inviare e ricevere pagamenti in pochi secondi. Apprezzo molto anche il livello di sicurezza offerto, che protegge le transazioni e i dati personali. Inoltre, è comodo poter pagare online senza dover inserire ogni volta i dati della carta, e la diffusione di PayPal lo rende accettato su tantissimi siti Cons Ciò che mi è piaciuto meno sono le commissioni, che in alcuni casi possono essere piuttosto alte, soprattutto per chi riceve pagamenti. Inoltre, il servizio clienti non sempre risulta rapido nella risoluzione dei problemi, e alcune procedure (come i blocchi temporanei del conto o le verifiche di sicurezza) possono risultare poco chiare e causare disagi. Infine, il tasso di cambio applicato nelle transazioni internazionali non è sempre conveniente Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TI Terriyanna I. Freelance Writer Professional Training & Coaching ### "Is PayPal really a Pal?" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 1.0 1.0 Likelihood to Recommend 4/10 April 19, 2026 It's okay, customer support is clueless most of the times, sometimes your money is frozen. Not a fan Pros One of the biggest wins is that you don't have to share your bank or card details directly with websites. It acts as a protective layer, which is great if you're shopping on new or less-known sites. Cons Their automated systems are notoriously sensitive. Users often report their accounts being put "under review" for no clear reason, sometimes freezing funds for 21 to 180 days if they detect a sudden spike in sales. Also, The support often relies on automated scripts that can be repetitive and unhelpful for complex issues. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MZ Michael Z. Owner Music ### "PayPal helps me shop safely " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 18, 2026 Overall, my experience with PayPal has been solid. It’s reliable, easy to use, and widely accepted, which makes it really convenient for both personal and business transactions. That said, the fees and occasional restrictions can be frustrating, especially when you’re using it regularly. It gets the job done and I trust it, but there’s definitely room for improvement in terms of transparency and user experience. Pros Honestly, what I liked most about PayPal is how easy and reliable it is to use. It’s pretty much universally accepted, so I don’t have to think twice when sending or receiving payments. Everything is quick, the interface is straightforward, and it just works without issues. It also feels secure, which is important when dealing with money online. Cons What I liked least about PayPal is the fees—they add up quickly, especially when you’re using it often. It also feels a bit restrictive at times, like holds on funds or limitations that aren’t always clearly explained. The interface can be a bit clunky too when you’re trying to find specific transactions or settings. Overall it works, but it’s not always the most transparent or flexible. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Owner Arts and Crafts ### "How I feel about paypal" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 18, 2026 My “overall experience” with PayPal is best described as convenient but occasionally frustrating. On the positive side, it’s very easy to use. Paying online, sending money, and linking accounts is straightforward, and it’s accepted almost everywhere. The added layer of buyer protection also makes transactions feel safer, especially when shopping from unfamiliar sellers. Pros My “experience” with PayPal isn’t personal, but I can give you a clear, balanced picture based on how it’s widely used and reviewed. Overall, PayPal is considered convenient and reliable for everyday transactions. Cons The biggest downsides people report with PayPal usually come down to control and cost. One of the most frustrating issues is account limitations or freezes. PayPal’s automated systems can flag activity as “suspicious,” and when that happens, access to funds can be restricted—sometimes for days or longer—while they review things. That lack of immediate control over your own money is a common complaint. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Nathan H. Owner Consumer Services ### "Perfect safe, secure and easy payment system. " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 18, 2026 Very positive. Customers feel it’s safe and secure and it is basically a wallet for all your credit cards. Pros PayPal is widely used and most customers have an account. It’s safe, secure and very simple to use for every purchase. Cons There are no cons. The pay in 4 feature is valuable to get clients 0% interest payments. You can click a link to pay, use a swipe reader or just use an email account. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AU Anonymous User Compliance Manager Financial Services ### "speed and convenience" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 April 17, 2026 Instant Brand Trust: Customers feel safer using PayPal than entering credit card details on a new website. Global Reach: Supports over 200 countries and multiple currencies, making international sales seamless. Pros Its greatest strength. Sending money or setting up a "Pay Now" button takes minutes, and the mobile app is highly intuitive. Cons While the core service is "free," transaction fees and steep currency conversion rates eat into thin margins. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AO Aidan O. Magician Entertainment ### "Simple and reliable" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 April 17, 2026 Pros Simple and easy to use. Rarely has any bugs, glitches or issues. Always a quick and easy way to send payment links/ invoices or collect payments. All of the data is easy to find and use too. Cons Occasional slow-load but aside from that, it's fantastic. The fees can sometimes feel pretty high compared to other platforms but nothing crippling. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) ## FAQs Yes, you can cancel a payment if it’s still pending or unclaimed. Once the payment is accepted or completed, cancellation is no longer possible. You may need to request a refund from the recipient. To receive money, share your PayPal email address or payment link. Funds sent to your account will appear in your PayPal balance, and you can transfer them to your bank or use them for purchases. PayPal supports payments via debit and credit cards, PayPal balance, Pay Later, Venmo, and linked bank accounts. You can also accept payments in multiple currencies and through QR codes. Yes, PayPal allows international transfers to over 200 markets. Currency conversion fees apply, and the recipient must have a PayPal account in a supported country. Refunds can be issued by the seller or requested through the Resolution Center. Once processed, refunds typically return to the original payment method within 3–5 business days. ### Have more questions? Connect with one of our advisors for a free consultation and save time in your software search. ## Sources - **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. [Learn more about how we source our data](https://www.capterra.com/resources/proprietary-data-research/). - **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology here](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). - This product information came from PayPal’s own online content in September 2025, including the product's website and its social media channels. ## Related reading ### [5 Key Payment Processing Software Features and Top Products That Offer Them](https://www.capterra.com/resources/key-payment-processing-software-features/) Published September 4, 2024 by [Shephalii Kapoor](https://www.capterra.com/resources/author/skapoor/) and [Carolyn Santa Maria](https://www.capterra.com/resources/author/carolyn-santa-maria/) ### [5 Key Features of Billing and Invoicing Software and Top Products That Offer Them](https://www.capterra.com/resources/key-features-of-billing-and-invoicing-software/) Published April 11, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) ### [Your Essential Guide to PayPal Software](https://www.capterra.com/resources/what-is-paypal/) Published August 12, 2024 by [Barkha Bali](https://www.capterra.com/resources/author/bbali/) and [Rina Rai](https://www.capterra.com/resources/author/rina-rai/) ### [As SMBs Move Away From Cash, FedNow Foreshadows the Shift to Real-Time Payments](https://www.capterra.com/resources/digital-payments/) Published October 5, 2023 by [Max Lillard](https://www.capterra.com/resources/author/max-lillard/) Popular comparisons [Stripe vs PayPal](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal)[Square Point of Sale vs PayPal](https://www.capterra.com/compare/207944-275802/PayPal-vs-Square-Point-of-Sale)[QuickBooks Online vs PayPal](https://www.capterra.com/compare/190778-207944/QuickBooks-Online-vs-PayPal)[NetSuite vs PayPal](https://www.capterra.com/compare/135757-207944/NetSuite-vs-PayPal)[Epos Now vs PayPal](https://www.capterra.com/compare/152638-207944/Epos-Now-vs-PayPal)[authorize.net vs PayPal](https://www.capterra.com/compare/207944-221412/PayPal-vs-authorizenet)[Stax vs PayPal](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal)[Clover vs PayPal](https://www.capterra.com/compare/207944-226864/PayPal-vs-Clover) [Afterpay vs PayPal](https://www.capterra.com/compare/207944-229452/PayPal-vs-Afterpay)[Shopify vs PayPal](https://www.capterra.com/compare/83891-207944/Shopify-vs-PayPal)[QuickBooks Enterprise vs PayPal](https://www.capterra.com/compare/174984-207944/QuickBooks-Enterprise-vs-PayPal)[Wave vs PayPal](https://www.capterra.com/compare/178021-207944/Wave-Apps-vs-PayPal)[PaySimple vs PayPal](https://www.capterra.com/compare/146664-207944/PaySimple-vs-PayPal)[BILL Accounts Payable & Receivable vs PayPal](https://www.capterra.com/compare/166559-207944/BILL-vs-PayPal)[Heartland Payments+ vs PayPal](https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal)[FreshBooks vs PayPal](https://www.capterra.com/compare/142390-207944/FreshBooks-vs-PayPal)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. 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