PayPal Review (2026)

The most recognized way to pay online

3.8 Payments
Our verdict

PayPal's superpower is instant trust — customers recognise it and check out with an account they already have — which can lift conversions, though fees run higher than some rivals and account holds happen.

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👍 What we like

  • Instantly recognized and trusted
  • Easy to set up
  • Buyer and seller protection

👎 What could be better

  • Higher fees than some rivals
  • Account holds can happen

What is PayPal?

PayPal is one of the world's most widely used online payment services, letting businesses accept payments and customers pay with an account they already trust.

Key features

Checkout buttons, invoicing, subscriptions, buyer/seller protection and wide platform integrations.

Who is PayPal for?

PayPal suits businesses that want a trusted, easy checkout option. For lower fees and more control, compare Stripe.

What people use PayPal for

Adding a trusted option

Offer a checkout customers already trust.

Invoicing

Send invoices and get paid quickly.

International sales

Accept payments from buyers worldwide.

How to get started with PayPal

  1. 1
    Create a business account

    Sign up and verify your business.

  2. 2
    Add checkout

    Use PayPal buttons, a link or a plugin.

  3. 3
    Configure settings

    Set currencies and payment preferences.

  4. 4
    Start accepting

    Take payments and manage them in your dashboard.

Expert tips

💡
Pair it with a card processor

Offer PayPal alongside cards to maximise conversions.

💡
Keep records for disputes

Good documentation helps if funds are held.

PayPal pricing

Online
~3.49% + fee
Standard checkout
In store
~2.29% + fee
PayPal Zettle
Invoicing
~3.49% + fee
Per paid invoice

Prices are indicative and change often — confirm on the official site.

PayPal FAQ

Is PayPal good for business?

Yes — its instant recognition can boost checkout conversions. Fees are higher than some rivals, so many businesses offer it alongside card payments.

PayPal vs Stripe?

PayPal offers trust and simplicity; Stripe offers lower-friction card payments and developer flexibility. Using both is common.

Does PayPal hold funds?

It can place holds on some accounts or transactions; keeping good records helps resolve them.

PayPal user reviews

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Compare alternatives

Other top picks in Payments.

Stripe

4.7

Developer-first payments infrastructure

Square

4.4

Payments and POS for in-person and online