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About PayPal

PayPal is an American, international digital wallet based e-commerce business allowing payments and money transfers to be made through the Internet. Online money transfers serve as electronic alternatives to paying with traditional paper methods, such as checks and money orders.

PayPal is one of the world's largest internet payment companies. The company operates as an acquirer, performing payment processing for online vendors, auction sites and other commercial users, for which it charges a fee.

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    17 Critic Reviews

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Features & Specifications

Key Features

  • Accept Payments Online
  • Online Invoicing
  • Mobile Card Reader
  • Express Checkout
  • Virtual Terminal
  • Bill Me Later®


Supported languages
English, French, Spanish, Italian, German, Russian, Japanese, Chinese, Arabic, Hebrew, Portuguese, Polish, Ukrainian, Danish, Norwegian, Swedish
Serviceable Area
World Wide
Supported Platforms
  • Web Based
  • Mobile Web
  • Desktop Windows
  • Desktop Mac OSX
  • Desktop Linux
  • Mobile App IOS
  • Mobile App Android
API availability
API is available. Protocol / Formats : REST, SOAP, XML .
Access the API documentation
Support Options
  • Phone Support

Ratings Summary

Metric Score Rank
cloudswave Score
Domain Authority 99
Alexa Rank 49
Integration 98
Platforms 81
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Critic Reviews

  • 70

    Cloudswave Score for PayPal

    Rating based on 17 Critic Reviews

    9 Favorable reviews
    53 %
    4 Mixed reviews
    24 %
    2 unfavorable reviews
    12 %
  • Do not use PayPal, never. Mostly if you run an online business, they can block your account anytime for any reason. You will find that you can not take your money for months. PayPal will abuse with currency exchange fees always charging you as buyer and seller with abbusive exchange rates. In fact, they are stablished in North Irland and Luxemburg to avoid USA laws and most European ones and avoid tax paying. STAY AWAY FROM THEM

  • PayPal is a huge company and in some circles has a bad reputation. In spite of this, the company remains one of the best options for easily accepting electronic payments and continues to gain popularity. PayPal is comparable in cost to many merchant account setups, but is much more expensive than merchant accounts under the Interchange Pass-through pricing model. Although PayPal has a lot of complaints, most of them are due to the fact that even the most inexperienced and naïve business owners can set up an account in a matter of minutes. Overall, PayPal is a solid choice for accepting credit card payments and can be offered as an additional payment option alongside a normal merchant account and payment gateway setup.

  • PayPal is a good payment option to start with, and should be kept around as a second-form of payment for all businesses. Account setup is fast, it’s easy to use, and it’s widely accepted; so if you’re a brand new business and you need to accept payments quickly, then PayPal is the way to go.
    As your business grows, and you exceed $1,000/month in revenue, then it makes sense to sign up for a traditional merchant account, because the costs will be lower. However, as I mentioned before, PayPal should always be offered as a second payment option. Some of your customers may prefer it, so it’s really a no-brainer.
    With that said, PayPal should never be the sole payment option for a large enterprise. They have a very trigger happy underwriting and risk department which has been known to hold money, freeze, and even terminate accounts. The last thing you want is for all of your cash to be tied up by PayPal because getting it from them may turn into a long and arduous process.

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User Reviews

  • 12 In total

  • User review from

    Enmanuel Durán Salas

    PayPal is the most solid and secure platform to handle your transactions on internet, I've been using it for a couple of years and it's been a great solution for my international operations. It's unbelievable that you can practically have your own account with just a few steps and everything being legal at the same time, I've send multiple payments to people and services and received payments too without any major problems, I really recommend this service.

    Pros :

    PayPal is great, and these are a couple of reasons why I think so: andnbsp;

    • Easy registration: Getting your account done on PayPal is ridiculously simple, you just have to register like on any other platform, following a couple of steps and instructions, and that's it you'll be ready to start using your account.
    • Transactions: You can send and receive payments on PayPal as many times as you like, it is as simple as writing the email of the person you wanna send the money to on an input text, and it'll automatically search for the person and send the money to this person's account just like a bank transfer, amazing.
    • Security: PayPal is always caring about your security, if you get hacked or someone makes an unauthorized transaction from your account, you can get the money back and get your account without any major formalities, you just have to follow the instructions on the page and prove it's your account.

    Cons :

    • Security on the internet is never going to be absolute, it means that you can get hacked or stolen sometimes. I got hacked once before, and the guy who did it transferred some money from my account to another, but thanks to PayPal I recovered the money a couple of hours after it happened so it's a good and a bad thing at the same time, because it shows you how important is your security for PayPal and that you have to be careful with your information.

    • June 24, 2016
  • User review from

    Luca Campanelli

    PayPal is definitely now one of the largest payment systems used.
    Among the various electronic wallets on the market, it is surely placed at the first place both in terms of ease of use, both in terms of reliability.

    Pros :

    • To start using it you have to create their own account, the first thing to do then is go on the official website, and register for free, in this case you will have to register an account in Private unless you're a company but in this case the situation is different.
    • It can also happen to make a payment of a purchased online product and during the purchase process you are required to use the paypal account, you can in that case also register at the time of purchase.
    • Paypal in practice acts as an intermediary of your payment, another main use is the transfer of money does not necessarily tied to the purchase of a product. The money movements are carried out directly by using PayPal side so it is in this case that is used your account, payment is immediate and does not require any waiting time, of course, to do this you take paypal transaction costs of Committee.
      Just the fact that they act as an intermediary of your payments allows you to request a refund directly to PayPal in abnormal cases, for example in the case of the occurrence of a product purchased there was sent or something like this.
    • Lately, PayPal has also created its own prepaid card that comes in handy if you usually shop online because it works the same way as other prepaid cards, is this mastercard circuit, and unlike other prepaid cards do not require any commission when you make money move (understood as charging) between your account and your prepaid card.

    Cons :

    • PayPal have not really any cons, if you really want to find it, you might want to have the commission costs slightly lower, maybe 1 € for deposits and withdrawals could be € 0.50 but little change, also as mentioned above this cost will be not applied if you have a prepaid card PayPal.andnbsp;

    • May 12, 2016
  • User review from

    Robert Belton

    Paypal is a tried and true payment processing platform which provides easy to follow instructions and flexibility to transfer money for any purchase. The versatility of the platform is where it excels, as you can use it online anywhere PayPal is accepted, and even use it to transfer money for something like babysitting with their "send money" feature and even annotate the purpose of it for your own accounting purposes.

    Pros :

    • Paypal is extremely easy to use, and offers a navigation that is both modern and user-friendly as well as enjoyable to log in to.
    • It is very straight-forward in accepting, sending, and withdrawing cash for online transactions, and most of all; very secure and safe to use.
    • The verification process protects users against fraudulent transactions, and gives you the piece of mind users desire to know that their funds are safe.

    Cons :

    • The verification process, while a great feature, can be rather intrusive and take some time to set up. There are horror stories that accompany the process and incidents where funds for sellers have been held in limbo for up to 180 days while PayPal "verifies" transactions and claims to be looking out for the interest of both parties, but most people come to the general consensus that this is an excuse to claim interest on the money hanging out in their account. I have not had this situation (knock on wood) happen to me, but I imagine if it did I would also be amongst the contributors on the paypalsucks.com website lamenting about my situation as well.
    • My only complaint is that if you add and remove credit cards or payment methods often as I do (when I use disposable credit cards online for security purposes), you are often locked out of your account until you go through a manual verification which can only be done by calling in their support line and providing a lot of personal info.

    • April 26, 2016
  • User review from

    Derek Rose

    PayPal is a widely trusted way to pay businesses, donate to non-profit organizations, and even send money to friends. My overall opinion of PayPal is that it is a good system for someone looking to start accepting payments or money. I’m sure that there are more sophisticated options that have lower fees or have more features, but PayPal works great when getting started with accepting payments. It is fast, links to an account, and is a way that I have given money or paid for services for years. What I really like the most about it, is the ease of use. Small side businesses that start in someone’s garage can use PayPal to sell their widgets. An account can be set up with basic internet and computer skills, and BOOM – payments can be accepted for goods. I personally know people who run non-profit organizations, and they use PayPal for their donations. The key in doing that, is to request any donors to increase their donation a little bit to cover the PayPal fees. Personally, I think that a small fee for a transaction is a small price to pay given the ease of setting up and managing the account. What PayPal does well is the basics – acting as a way to pay, and receive money.

    Pros :

    • As I mentioned, one of the greatest pros is that PayPal is simple, and even computer and Internet beginners can set up and utilize a PayPal account.
    • Another pro is that since PayPal is so widely used, there are quite a bit of support materials to guide someone in the process of managing the account.

    Cons :

    • I mentioned that PayPal is widely used, and this has a con as well.
    • It can be difficult to resolve issues because of having to deal with the support department if an account is blocked or there is another issue. But the individual who is running a small business or small non-profit can really benefit from PayPal, especially when transactions are kept simple.

    • January 5, 2016
  • User review from

    Raviraj Raikar

    Paypal enables one to provide its customer secured, reliable, smoother and faster payment checkouts. One doesn't need to remember credit card or debit card details to make the payment to invoices. When you create a Paypal account, you just need to link your debit card, credit card or bank account. Initially, there would be a couple of low amount transactions posted by Paypal to confirm your bank/credit/debit card accounts. You will need to enter the same in the system to confirm. Once Confirmed, you can use your PayPal account to pay to vendors or receive money from Customers. It is seamless and user-friendly way of transacting with money.

    Pros :

    • With lesser hassle of payment procedure, the business does sell more with Paypal.
    • Most of the US, CANADA

      Cons :

      • As per the RBI law, one cannot hold up foreign currency amount, hence Paypal as a policy, the day which you receive money, it will give a standing instruction to convert the money in Indian Currency and deposit in the linked Bank Account in India
      • The service fees it leverages for each money that you receive from your customer as a service provider is a bit on the higher side.
      • Also, the conversion rates that are provided is not best in the market.

      • December 19, 2015
  • User review from

    Rajat Jain

    PayPal is a digital wallet making lives of consumers and business owners easier from decades. Signing up on PayPal is fairly straightforward. It is a boon for small businesses which needs to accept payments online without paying a lot of upfront fees. PayPal can be integrated with any platform in no time and is incredibly flexible and transparent with its fee structure.

    Pros :

    • PayPal has a huge number of active consumers which makes it imperative for businesses to include a PayPal checkout option. If you are a new and unknown business, accepting payments through PayPal gives a lot of comfort to the first time buyers as they are completely sure that their money is safe under PayPal Buyer Protection.
    • Payments are credited to merchant accounts in real time as compared to credit card payments which are processed in Batch mode. So, merchants always have funds in hand to utilize.
    • The customers don’t need to expose their credit card information ever to internet merchants.
    • With a lot of websites still not complying with 2 level authentication, exposing credit card directly to internet is extremely dangerous.
    • One does not need to be in physical possession of his credit card to make any payments.
    • The best part is that one doesn't need to have a contract to use PayPal services. The merchant is charged on a transaction basis which is good in case of a low volume of transactions.
    • PayPal has developed solid way to verify the credit cards using multiple authentication levels.
    • Sending money to friends and relatives is completely free.
    • It even offers to charge the cardholder in the local currency of the card with its own foreign currency conversion.
    • It helps to avoid the uncertainty especially if a high-value transaction is being made.

    Cons :

    • The risk algorithms are weird and do not allow one to process legit payments no matter what.
    • Even the customer care is not able to help you. Moreover, customer care support is not available round the clock.
    • The mobile app is not very user-friendly and does not provide a few critical information.
    • The credit card can be registered on PayPal by entering only card number, expiry date, and CVV. The second level of authentication is only required for high amount transactions which make it less secure.

    • November 24, 2015
  • User review from

    Leonardo Andrés David Zerón

    Paypal is an excellent payment processing solution, offering convenience, compatibility and safety for any individual or company who works with online transactions. One of the main benefits of Paypal is that it removes the need to input your credit card information in multiple web pages when you carry out web transactions frequently. Instead, you add your card information to Paypal, and it works as your payment option in place of your card. Paypal also allows direct withdrawal of money to VISA credit or debit cards, which is much simpler and faster than wire transfer transactions. Paypal fees for receiving money are percentage based, which makes it very practical for smaller transactions where a wire transfer fee would be too high. Paypal is a great financial tool for consumers, companies and freelancers alike.

    Pros :

    • Compatibility – Webpages that aren’t compatible with Paypal are rare. As a payment option, it has become mainstream throughout the Internet. Merchants and freelancers with a VISA card can bill customers anywhere in the world with ease.
    • Automatic – Sending and receiving payments is an automatic process, with minimal user intervention other than initiating the transaction. 3)Its compatibility with debit and prepaid cards simplifies withdrawal of money as cash in an automatic teller machine. 4)The website is intuitive, and the learning curve is short – billing is carried out via e-mail, which allows Paypal to be used with any customer who has a credit card available. The percentage-based fee makes it practical for large numbers of smaller payments.

    Cons :

    • Waiting times for withdrawing money to a card are long for users located outside the USA. Up to 7 business days may pass before the withdrawn money is credited to the user’s account.
    • The percentage-based fee is double-edged: For smaller payments it is excellent, but the amount can be considerable for larger payments, and wire transfer may actually become a better option in this scenario. However, there are preferential fees available for merchants who bill more than $3,000/month.

    • October 8, 2015
  • User review from

    Jess Messenger

    I love PayPal because it allows secure payments to be made over the Internet, and speeds up the payment process in situations where the alternative is receiving a check in the mail.

    Pros :

    I like that PayPal has a dashboard that's very easy to navigate. The main page shows your current balance and recent activity, plus the banks and credit cards that you have linked to your account. I like that in the activity tab, you can see more detailed transactions, even those dating years back. You can also categorize these items by sent payments, received payments, refunds and more if you have a long list of transactions and want to organize them better in order to find a particular one. You can also easily send money to friends, colleagues or family, and all you need is an email address or mobile number. It’s free to create an account if they don’t yet have one. I also like that it’s very easy to link your bank account and add credit cards. It’s really simple to edit or delete this information too, in case you get a new credit card or cancel one. I have used PayPal as a way to easily and quickly receive money when I've sold items (like clothing) on other third-party websites. Rather than waiting for a check to come in the mail or link multiple third party websites to my bank account, I can simply connect my PayPal account to the commerce website so that my earnings are quickly deposited into my account. Then, it’s just a few clicks to move the money from PayPal into my bank account. I trust that PayPal is secure with my money, which is why I’ve been using it for years.

    Cons :

    When selling on some sites, they charge you a fee to transfer your money to PayPal, which reduces total earnings. However, it's a very small fee, but if you are making large profits, it may be more noticeable.

    • September 16, 2015
  • User review from

    Tapan Jain

    PayPal is a great product for safeguarding your credit card credentials and fraudulent merchants online. PayPal gives me a sense of peace whenever I am shopping for the first time on a new website. The moment I saw that payment can be made through PayPal, I don't need to think twice as I know that my money will be safe. Also, I don't need to remember various credit card details for shopping online. Once I have registered my credit cards on PayPal, I can simply remember my PayPal credentials and use any of my cards. It is a life saver especially when making foreign currency transactions.

    Pros : PayPal has a resolution desk which guarantees that you get your money back in case the merchant does not ship the product or ships the wrong product. It also provides me an option to pay in my home currency rather than foreign currency using PayPal own conversion rates. Though, PayPal conversion rates have an inbuilt markup almost equal to the banks foreign currency conversion charge but the advantage offered is that banks use the conversion rate of the date the transactions is charged while with the PayPal conversion, it takes out the uncertainty from the charge. And it does not mandate to use its conversion. It verifies addresses as well so that merchants don't end up losing by shipping to a fraud customer. If the shipping address matches the credit card billing address, the chances of fraud are almost zero.

    Cons : One biggest miss from the PayPal is that it does not require confirmation that the person registering the card on a PayPal account is a legit owner of the card. Anyone can go and register anybody's card and start transferring money. Only if one has to transfer larger amounts, one need to confirm the card by providing a 4 digit code in the credit card statement. But smaller amounts can still cause a lot of damage. Also, as using only PayPal credentials provide ease of not remembering credit card details and not exposing credit card information to the web, it poses a bigger threat if someone steals your credentials. The 2 step verification for logging in to PayPal is a big miss. Internal algorithms irritate you at times. If in urgent times you have to transfer large amount of funds, the internal algorithms treat this as an exception and restrict the transfers. The worst part is that these restrictions cannot be manually overridden by the customer care. Further, round the clock customer support is not available which is critical when people run businesses on PayPal.

    • September 10, 2015
  • User review from

    Sean Caruana

    I have used PayPal extensively over the years, from all aspects - as a merchant, software developer and customer. PayPal is definitely one of the top online payment processing solutions available. PayPal offers payment protection, so is an excellent choice when compared with bank transfers and Western Union. However, one of PayPal's biggest problems is availability. When compared with other payment providers such as Skrill and Payoneer, PayPal falls short. This is because the PayPal card is only available in USA at the moment, so customers in other countries are limited to websites which have decided to accept PayPal as a payment method. With Skrill and Payoneer, it is possible to order a MasterCard which is bound to your account, and can be used in most shops, ATMs and online websites which accept MasterCard.

    Pros :

    • Payment protection.
    • Excellent feature-rich API which is very easy to work with (for software developers).
    • Many flexible options for merchants to use PayPal for their online services.
    • Available in most countries.
    • Ability to add credit/debit cards too, which can also be used for payment.
    • Ability to create and send invoices to users who do not have PayPal accounts.
    • Ability to pay even if users do not have an account.

    Cons :

    • PayPal card is only available in USA.
    • Most countries outside USA can only make use of Paypal on websites which have decided to support it.
    • Riddled with charges when receiving money.
    • Inflated currency conversion costs/charges.

    • September 10, 2015
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