PayPalvs
Coinbase
Coinbase: Buy, sell, and trade cryptocurrency with ease
PayPal
The simpler, safer way to pay and get paid
As of 30 August 2026, PayPal starts at $29/month. PayPal is a global digital payments platform that enables businesses and consumers to send and receive money online securely. Softwr lists it under Personal Finance. PayPal is made by PayPal Holdings Inc, launched in 1998, available on Web, iOS, Android, API.
Overview
What PayPal does
PayPal is a global digital payments platform that enables businesses and consumers to send and receive money online securely.
What people use it for
- Paying online merchants without sharing card details
- Sending money to friends and family domestically and internationally
- Holding balances in multiple currencies for cross border purchases
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about PayPal.
- Currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios
- Instant transfer to a bank or debit card costs 1.75 percent of the amount, with a minimum of 0.25 USD and a maximum of 25.00 USD
- International personal transactions carry a 5.00 percent fee regardless of payment method, with a minimum of 0.99 USD and a maximum of 4.99 USD
- Sending domestic personal payments funded by a credit card costs 2.90 percent plus a fixed fee of 0.49 USD
- Instant transfers are capped at 25,000.00 USD per transaction
Cross-shopped
What people choose instead of PayPal
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- PayPalvsKraken
Kraken: Secure cryptocurrency exchange for serious traders
- PayPalvsCash App
Cash App: Money sent in seconds
- PayPalvsCrypto.com
Crypto.com: The best place to buy, sell, and pay with crypto
Pricing
What PayPal costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Standard
$2.99 /transaction
- Card payments
- PayPal checkout
- Invoice payments
Capabilities
Features
Payment processing
PayPal Checkout
Invoicing
Business debit card
Working capital loans
Shopify
Integration with Shopify
WooCommerce
Integration with WooCommerce
BigCommerce
Integration with BigCommerce
PCI DSS
PCI DSS security feature
Buyer/Seller protection
Buyer/Seller protection security feature
Web support
Available on web
Ios support
Available on ios
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Does PayPal charge fees and when do they apply?
PayPal states that fees apply when converting currency and sending money to accounts in another country. Specific fee amounts are not disclosed on the homepage but are referenced in their published fee schedule.
SourceIs there a subscription cost to use PayPal's basic services?
No subscription fees are mentioned on the homepage. PayPal operates on a transaction-based fee structure for money transfers and payments rather than recurring charges.
SourceAre there restrictions on when I can use buyer protection?
PayPal offers buyer protection for eligible purchases, but coverage limitations exist. A user agreement sets the specific conditions for protection eligibility.
SourceWhat payment methods can I link to PayPal?
PayPal's digital wallet allows storage of multiple payment methods and can be used for secure money transfers, payment requests, and checkout at major retailers.
SourceBehind it
Who makes PayPal
- Company
- PayPal Holdings Inc
- Based in
- San Jose, CA
Keep looking
Where to go from PayPal
- PayPal alternativesEvery product people weigh against it
- PayPal pricingPlans, floors and what the tiers exclude
- PayPal badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare PayPal with
- Apple Pay
- Google Pay
- Skrill
- WorldRemit
- Cash App
- Remitly
- Zelle
- Coinbase
- Goodbudget
- Kraken
- Crypto.com
- YNAB
- Banktivity
- Charles Schwab
- Copilot Money
- Credit Karma
- E*TRADE
- EveryDollar
Other Personal Finance software
Softwr does not host reviews and shows no star rating for PayPal, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on PayPal
PayPal alternatives
What people switch to, and what they give up
PayPal pricing
Every tier, and where the cost actually lands
Compare PayPal
Put it head to head with anything we hold
PayPal badge
Its rating, and an embed for your own site
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