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What is PayPal?

PayPal is a leading digital payments and financial services platform that allows users to securely shop, send money, save funds, and manage transactions across online and in-store environments. The platform provides consumers with multiple payment solutions, including PayPal checkout, debit cards, cashback credit cards, installment financing, and savings account features that support everyday financial activities. Users can conveniently pay for products and services at millions of merchants while earning cashback rewards and accessing rotating promotional offers from popular brands. PayPal’s financing tools, such as Pay in 4 and Pay Monthly, help customers spread payments over time with flexible repayment options that fit different purchasing needs. The service also makes it simple to transfer money internationally, request payments, split bills, and create money pools for group purchases or events directly through the mobile app. PayPal’s app acts as an all-in-one financial hub where users can monitor balances, manage rewards, track transactions, explore cryptocurrency features, and oversee savings accounts with competitive interest rates. The company places strong emphasis on security by using encryption technology and fraud prevention systems designed to protect sensitive financial data during transactions. Businesses benefit from PayPal’s broad payment acceptance, trusted reputation, and seamless checkout experiences that can help improve customer confidence and conversion rates. Consumers can use PayPal across desktops, smartphones, and physical retail locations, giving them flexibility in how and where they complete purchases. The platform also supports digital wallets and contactless payments, making transactions quicker and more convenient for modern shoppers. PayPal continues to evolve by adding new financial tools, merchant integrations, and rewards programs that strengthen its position within the fintech industry.

Pricing

Price Starts At:
Free
Free Version:
Free Version available.

Integrations

Offers API?:
Yes, PayPal provides an API

Screenshots and Video

Company Facts

Company Name:
PayPal
Date Founded:
1998
Company Location:
United States
Company Website:
www.paypal.com

Product Details

Deployment
SaaS
Training Options
Documentation Hub
Online Training
Support
Standard Support
Web-Based Support

Product Details

Target Company Sizes
Individual
1-10
11-50
51-200
201-500
501-1000
1001-5000
5001-10000
10001+
Target Organization Types
Mid Size Business
Small Business
Enterprise
Freelance
Nonprofit
Government
Startup
Supported Languages
English

PayPal Categories and Features

Payment Processing Software

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Payment Gateways

ACH / eCheck support
Buyer Authentication
Credit / Debit Support
Customer Information Storage
Fraud Prevention
Invoicing
Multi-Currency
PCI Compliance
Point-of-Sale (POS)
Recurring Billing / Subscriptions
Reporting / Analytics

Mobile Payment App

ACH Support
Contactless / NFC
Credit Card Support
Cryptocurrency Support
Debit Card Support
In-App Payments
In-Store Payments
Micropayments
P2P Payments
eCommerce Payments

More PayPal Categories

  • Reviewer Name: Chandra K.
    Position: Data Specialist
    Has used product for: 6-12 Months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Reliable Cross- Border Payment Gateway For Independent Professional

    Date: May 10 2026
    Summary

    My overall experience with PayPal has been very positive. It serves as a critical bridge for my business as an independent professional, allowing me to accept cross-border payments from clients. While the fees are factor to consider, the platform's reliability, global reputation, and seamless integration with the Indian banking system make it an essential tool for anyone managing international B2B settlements.

    Positive

    As an independent professional, I rely on PayPal as my primary gateway for receiving cross-border payments from international clients. The platform's automated withdrawal system to local Indian bank account is incredibly efficient, ensuring that my business cash flow remains consistent. Its robust security and KYC protocols provide the peace of mind necessary for managing high-value global transactions.

    Negative

    The main drawback is the currency conversion rat, which is often less competitive than mid-market rates for international transfers. Furthermore, while security is a plus, the occasional 24-hour hold on funds can be challenge when managing immediate operational expenses for a small business.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Employee.
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    PayPal is an online money transfer service that allows you to send and receive money in a quick and easy way. It can be used to buy things online, send money to friends and family, and even to receive payments online if you are a business. PayPal is very popular worldwide because of its ease of use, security and convenience.

    Date: May 07 2023
    Summary

    In short, if you want to make online transactions safely, quickly and easily, PayPal is a great choice.

    Positive

    PayPal is a safe and convenient online payment method that offers many benefits. Here are some of the benefits of PayPal:

    1. Security: PayPal uses advanced encryption technology to protect payment information to ensure secure online transactions.

    2. Speed: PayPal facilitates online payments by allowing users to pay quickly and easily.

    3. Accessibility: PayPal is available in many countries around the world and is accepted by many online merchants.

    4. Buyer protection: PayPal provides buyer protection that allows consumers to be reimbursed for fraudulent transactions.

    5. No transaction fees: PayPal does not charge fees for transactions between PayPal accounts, allowing users to transfer money easily and at no additional cost.

    Negative

    Some of the disadvantages of PayPal are:

    1. High fees: PayPal often charges higher fees than other online payment options available.

    2. Account Freezing Option: PayPal may freeze your account if you make a transaction that may constitute fraud or if you use the service inappropriately.

    3. Processing delays: Technical or security issues can sometimes lead to delays in processing payments and refunds.

    4. Foreign exchange charges: If you make international payments with PayPal, you may have to pay additional foreign exchange charges.

    5. Transaction limits: PayPal may place limits on the amount of money you can send or receive.

    6. Potential loss of buyer protection: If you make a payment outside of PayPal, you may lose the buyer protection offered by PayPal.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: EMPLOYED
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    I recommend.

    Date: Jan 14 2022
    Summary

    I'm so satisfied of using PayPal. I just wish they would reduce the interest on using it that would be great.

    Positive

    Very easy to use and saves you so much time for paying online. I like it so much and I highly recommend it.

    Negative

    When I'm shopping online and I'm about to checkout I don't like going all the way to the app to login in order to confirm the transaction.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Bartender
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Review

    Date: Mar 16 2022
    Summary

    It was very good experience I would give it a solid eight out of ten and will keep using it for as long as it’s available.

    Positive

    I like how quick and accessible it is I’ve been using it for a long time now, it’s good, I also like how I don’t have to remember card numbers.

    Negative

    I didn’t have any dislikes really except I don’t really like having to put my email in every time I wish it was only the password.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Manager
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Eventually made me come back

    Date: Feb 26 2022
    Summary

    I have yet to find a payment method that is as convenient as PayPal. Cards are also not available in some places, but the fact that they are accepted worldwide provides users with great convenience.

    Positive

    Convenient to use. You can pay and receive money from anywhere in the world. Financing is also good.

    Negative

    I changed my account now, but my account was hacked once. Fortunately, there was no financial damage because I did not put any account information, but it was almost a disaster. After that, the safety device that goes through several steps is rather reassuring.

    Read More...
  • Reviewer Name: Vineet C.
    Position: Dy. Chief Engineer
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Excellent payment mode globally

    Date: Feb 27 2022
    Summary

    I provided my PayPal to any site which pays, and then PayPal accepts any currency and deposit that into my associated bank and I get that in my local currency without headache.

    Positive

    I like its worldwide acceptance and its ability to get different currency into one local currency and that into associated bank account.

    Negative

    It cuts slightly high tax otherwise nothing to complain about.

    Read More...
  • Reviewer Name: Rashmi N.
    Position: Full Stack Developer
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 26 - 99
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    PayPal Review

    Date: Jan 26 2021
    Summary

    Overall best for businesses as well a personal needs. You can exchange any currency. Also, their policies are very strict so there is no need to worry about anything, and user support is also very helpful.

    Positive

    PayPal is the best money exchange and business platform out there. You can create invoices very easily and get international transactions too. It is best for businesses. The user friendly is very clean, and is a very secure platform. Also, you can either access it from the web or their mobile application. Most businesses use this only to get their international payments as their charges are very much lower than the other similar products in the market.

    Negative

    There are no cons to using PayPal. You cannot find a more convenient and secure platform than PayPal.

    Read More...
  • Reviewer Name: Ankur K.
    Position: Investor
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    A global payment method.

    Date: Jun 04 2021
    Summary

    Overall, with Paypal, paying anyone or accepting payments from around the world becomes hassle-free and secure.

    Positive

    - Paypal makes payments to anyone around the world very easy and secure.
    - You can send or accept payments by just sharing your PayPal id.
    - The UI of the application is clean and simple to use.

    Negative

    - It takes a heavy fee for every international transaction.
    - Sometimes money gets stuck or you make a large amount of transaction Paypal blocks your account for some time.

    Read More...
  • Reviewer Name: Govardhan T.
    Position: Manager
    Has used product for: Free Trial
    Uses the product: Daily
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Excellent payment gateway

    Date: May 22 2021
    Summary

    I receive payment from various countries in various currency. I have provided my PayPal email to those sites and hence every payment is deposited into my bank account through PayPal.

    Positive

    It collects payments from different countries in different currencies and then deposit it to associated bank account. PayPal is very useful payment gateway.

    Negative

    Its service charges are very high also it takes little longer to deposit money into bank account.

    Read More...
  • Reviewer Name: Yuro Z.
    Position: Manager
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Paypal is a disappointment

    Date: Jul 11 2021
    Summary

    I have used Paypal for like 8 months.

    I have made more than 10 transaction

    But after all that, i received 53 dollar from someone and then my Paypal account has got limited/frozen I am very disappointed using Paypal.

    Positive

    What I like from Paypal is that there is a feature which allows you to exchange your money, example $5 > 4£.

    Paypal is very popular that most of website or product supports Paypal as a payment.

    Negative

    What I didn't like is that Paypal has security feature that can avoid frauds, but that was all a lie. Paypal put a permanent limitation into your account and they said that you can withdraw your funds in 180 days (6 months) and after waiting 180 days or 6 months i can't withdraw my money. They said that they took my money as charge because of the damage I did. Seriously, Paypal took your money to make money. Their support agent can't do anything but repeating a same words over and over.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Student
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 20,000 or More
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Customer service sucks, but you mostly won't need them

    Date: Jun 05 2020
    Summary

    It's not perfect but you have to grudgingly accept that it's among the best in its category. And there's not much of a stigma with it unlike Cash app (seedy Snapchat accounts mainly), or regional (Payoneer etc).

    Positive

    Paypal's pretty much the de facto payment system for most online purchases and freelancers. Sure, you have people who prefer paying with crypto currencies, or Cash App, but in both cases you're either sacrificing usability (not everyone wants to deal with crypto wallets, waiting for confirmations, etc) or security (PayPal has a more robust KYC / identify verification than most of the other ones).

    Negative

    PayPal charges fees that are kinda high, but you do get the ability to dispute . It's also not too clear how much the fees are, especially if the two parties are in different regions. The customer service by phone and email is rather dumb, and will ask repetitive questions. They also somehow find your personal information that you've never given, like on your family members...

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Business Analyst
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Paypal - Digitalizing payments.

    Date: Jun 08 2020
    Summary

    I have started using PayPal around 2015 back when the process of signing into Paypal was way hard compared to current scenario. I would definitely say the service has improved over the past 5 years, I am a big fan of its design. Paypal is one of the first players in the world that has started the digitalization of payments for day to day activities. But the competitors like Google Pay and Paytm have significantly proved and performed well in the Indian markets compared to PayPal. I would love to see certain enhancements to compete in the current scenario.

    Positive

    (+) A definite plus is for the outstanding user interface.
    (+) Wide acceptance rate across the globe.
    (+) Seamless online payments, digitalizing the payments world.
    (+) Simple and easy to operate, one can easily send and receive payments.

    Negative

    (-) Support is not up to the mark.
    (-) Limitation in charging handling fee.
    (-) No rewards or incentivization in place for promoting the product, unlike its competitors.

    Read More...
  • Reviewer Name: Pranshu S.
    Position: Student
    Has used product for: 1-2 Years
    Uses the product: Daily
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Payment App

    Date: Nov 28 2020
    Summary

    PayPal is one of the best app for business and personal use.
    It's very handy while using in mobile app.

    Positive

    Easy to use.
    Simple and user friendly interface.
    Extra layer of protection.
    Instant transaction available.
    It also provide shopping and services.

    Negative

    It charges money while receiving the money.
    Freezes the account sometimes of the account holder.
    Paypal is not suitable in many websites.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Software Dev.
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great

    Date: Jun 24 2020
    Summary

    Its a great online banking service overall, but I have some issues with money freezing and it sometimes damages my online business.

    Positive

    -Ease of use
    -Safe
    -Mobile friendly
    -Free to send money for family and friends
    - A very good fraud monitoring

    Negative

    -Money Freeze
    -Additional fees when you withdraw to your bank account

    Read More...
  • Reviewer Name: Satyam S.
    Position: Software engineer
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 10,000 - 19,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Accept from any part of world

    Date: May 29 2020
    Summary

    PayPal is one stop solutions for payment. It's a great platform to accept and transfer money in digital form. PayPal is available in every country which makes easy to transfer any currency to other.

    Positive

    It's easy to accept any currency. Has buyer and seller protection makes my money safe from scammers. Very simple and easy user interface. Very nominal fee for accepting payments.

    Negative

    For any tickets you raise it takes PayPal 10-15 days to resolve.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Systems officer
    Has used product for: 1-2 Years
    Uses the product: Daily
    Org Size (# of Employees): 5,000 - 9,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Excellent payment mode globally

    Date: May 24 2020
    Summary

    I used to win money from different international sites and I provided my PayPal account and hence get my winnings directly into my bank account. Recently I won Euro 21 from Clickworker. I love getting money from other sites which asked for PayPal account.

    Positive

    I like its acceptance all over world. It collects money in any currency and accordingly convert it to local currency and then deposits into attached bank account. Also, it is very secured and useful in paying or sending money. One can link his PayPal account to any website and get money easily.

    Negative

    I don't like its higher charges for currency conversion and processing fee. Also, it doesn't link virtual Visa gift card.

    Read More...
  • Reviewer Name: Nishant S.
    Position: Student
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great for transactions

    Date: Nov 28 2020
    Summary

    I use PayPal to make payments for shopping or services. Generally it is a cool payment processor. One can do international transaction easily.

    Positive

    It is easy and simple to use with a great user friendly UX/UI.
    Instant transactions are available in real time.
    We can also can do shopping through the PayPal.
    Security features are too good and safe.

    Negative

    PayPal is not available in some countries.
    There are some limitations while handling money.
    No more cons are there.

    Read More...
  • Reviewer Name: Vivek T.
    Position: Manager
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 10,000 - 19,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    PayPal is very easy to use and above all safe

    Updated: Sep 03 2022
    Summary

    PayPal is a safe and reliable payment method and it is a simple, fast, updated, easy to use payment system. So, must for you! Also, it has attractive offers for first time users.

    Positive

    It is a priceless payment tool. I have been using it for last 2 years as my preferred payment gateway. I use its debit card as it is accepted in many shops and businesses. Whenever I receive any payments from anywhere, the amount is deposited directly into the PayPal account.

    Negative

    It takes little longer to transfer funds into bank account. Also, it is not very popular in Indian sub continent.

    Read More...
  • Reviewer Name: Vivek S.
    Position: Systems Officer
    Has used product for: Less than 6 months
    Uses the product: Daily
    Org Size (# of Employees): 10,000 - 19,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Globally accepted payment mode

    Date: May 24 2020
    Summary

    Recently I completed a one dollar reward survey and it (OP Vision site) asked for PayPal account which I provided, Money was immediately deposited into my PayPal account and then deposited into my bank account. I love its automatically transferring money. Now I provide my PayPal account everywhere and money is being received into my bank. Also, I transferred money to my parent and it was transferred smoothly.

    Positive

    PayPal account is required in most of the payment sites and hence it shows how important it is. I like its acceptance all over World.

    Negative

    Sometimes I feel PayPal service charges are too high otherwise nothing to complain about.

    Read More...
  • Reviewer Name: Rohan J.
    Position: Software Developer
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 100 - 499
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Trusted Global payment gateway

    Date: May 25 2020
    Summary

    Paypal is a quick and convenient way to make payments over internet. It is ubiquitous and globally reputed making it the best payment gateway.

    Positive

    Popular over the internet - can be used on almost every big website.
    Detailed reporting and analytics.
    Secure with 2 factor authentication.
    Good customer service.
    Awesome mobile app.

    Negative

    High charges even for small payment amount.
    Instant transfer between accounts is missing.

    Read More...
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