
PayPal offers consumer wallets, merchant checkout solutions (online & in-store), PayPal Commerce Platform for marketplaces, PayPal Checkout/Pay Later/Buy Now Pay Later, invoicing, payouts, tap-to-pay/point-of-sale hardware and SDKs, and developer APIs & sandbox/test environments. PayPal integrates with major ecommerce platforms (Shopify, WooCommerce, Magento, BigCommerce), supports multi-currency acceptance, and includes risk/fraud protection tools and seller/buyer protection programs. For many merchants, PayPal is an easy way to accept cards and wallet payments and reach international customers quickly. Strengths: scale, global reach, brand trust, broad payment methods (cards, PayPal wallet, Venmo/BNPL in some markets), and rich developer/partner ecosystem. Weaknesses: fee complexity (different rates by product/market/transaction type), publicly visible complaints about account limitations/funds holds and dispute outcomes, and some merchants find chargeback/dispute resolution difficult or slow. Enterprise/custom pricing and seller protection caveats exist, so merchants should read fee tables and terms carefully.
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.
No products or services information available.
complaints overwhelmingly focus on account holds/limitations, disputes/refunds, perceived unfair outcomes in buyer/seller disputes, and billing/withdrawal issues. There are also many merchant and consumer praise posts, but the complaint volume drives the BBB rating commentary. PayPal typically responds on the BBB profile for many of the complaints.
Most reviewers were disappointed with their overall experience. Many customers voiced frustration about several parts of the service, especially payment-related issues. Common complaints include high fees, unclear exchange rates, and trouble getting refunds.
Business reviewers praise ease of use, multi-currency support, checkout options, and analytics; common negatives are fees, occasional holds/chargeback handling, and some support experiences. Overall G2 reviewers rate PayPal highly for product features but point to customer-service / dispute friction as a downside.
Important: PayPal’s pricing is region and product specific. The following are typical starting prices.
2.89% + $0.29 per transaction
starting at 2.29% + $0.09 per transaction (PayPal POS/Tap-to-Pay pricing starts lower for in-person)
Rates Vary
Currency conversion fees around 3% in many markets + possible cross-border surcharge
$0 Pay-as-you-go | Enterprise agreements have monthly fees
Typically $0
None
Varies by product/region
Region dependent ($20 US)
Not applicable for standard pay as you go accounts; enterprise/reseller contracts may have terms
Standard Bank Transfer: 1 - 3 Business days
Instant transfers: Subject to fees (up to 30 minutes)
Varies by country and product
Pay as you go or month-to-month business accounts
Close your account in the PayPal account settings or contact PayPal Support via the Help Center / Resolution Center
PCI Level 1 certified (highest level)
Supported
Seller/Buyer Protection programs, risk/fraud tools and filters, and optional advanced fraud offerings
Supported
Supported
Supported
Supported
Supported
Supported
Supported
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PayPal maintains extensive documentation and 24/7/region support options. Many businesses praise the platform’s tooling, but public reviews frequently report variability in dispute/hold resolution and wait times for account limitation issues.
1998
2211 North First Street, San Jose, CA 95131, USA
24,400