Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Chase Payment Solutions and Merchant Services
Payment Processor · 3.8/5 mean
Chase Payment Solutions is the merchant services arm of the #1 US bank, offering small and mid-sized businesses a deeply integrated combination of payment processing, same-day deposits, and banking tools. They're backed by the trust and scale of JPMorgan Chase but with flat-rate fees that may not suit high-volume merchants.
Read the full review →PayPal
Payment Processor · 4.0/5 mean
PayPal is a global, feature-rich digital payments platform (consumer wallet + merchant services) with extensive integrations and brand reach. It is trusted by many businesses but criticized in public reviews for dispute handling and account-hold practices.
Read the full review →PayPal holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026 and September 2, 2026.
| Criterion | Chase Payment Solutions and Merchant Services | PayPal |
|---|---|---|
| Pricing transparency | 3.0 | 3.0 |
| Feature set | 4.0 | 5.0wins this criterion |
| Ease of use | 4.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Chase Payment Solutions and Merchant Services | PayPal |
|---|---|---|
| Online rate | 2.9% + $0.25 per transaction | 2.89% + $0.29 per transaction |
| Monthly fee | $0 (basic plan; Chase Business Complete Banking may have separate monthly fee waivable with $2,000/month in payments) | $0 Pay-as-you-go | Enterprise agreements have monthly fees |
| Payout | Next business day for deposits to non-Chase bank accounts | 1-3 business days (standard bank transfer) |
| Contract | Month-to-month plans. Free terminal plans may require 2 year service agreement. | Pay as you go or month-to-month business accounts |
| In-person rate | 2.6% + $0.10 per transaction | 2.29% + $0.09 per card-present transaction (PayPal's published POS rate, not Tap to Pay only) |
| Keyed rate |
From the Chase Payment Solutions and Merchant Services review
PayPal brings global reach and a consumer brand that measurably helps checkout conversion, a contrast with Chase Payment Solutions' US-centric focus and limited international features. Chase holds up for US businesses that want processing, banking, invoicing, and payroll consolidated behind one login with live phone support around the clock.
Pick PayPal if you sell to international buyers and want a wallet brand that lifts checkout conversion
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| Customer support | 3.0 | 3.0 |
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| Contract terms | 4.0 | 4.0 |
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| Industry reputation | 5.0 | 5.0 |
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| 3.5% + $0.10 per transaction |
| 3.49% + $0.09 for manually entered cards, published on PayPal's POS pricing page |
| International rate | Dynamic Currency Conversion available; custom rates apply | Cross-border fee +1.50%; currency conversion spread 4.00% (3.00% on some transaction types) |
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| PCI fee | Not publicly listed | None |
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| Statement fee | Not publicly listed | Varies by product/region |
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| Chargeback fee | $25 to $100 per incident | Region dependent ($20 US) |
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| Early termination | $0 for month-to-month accounts; applicable if free hardware accepted under 2-year contract | Not applicable for standard pay as you go accounts; enterprise/reseller contracts may have terms |
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| Last fact-checked | August 19, 2026 | September 2, 2026 |
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