PayPal vs Billsby

Stripe

Square Point of Sale

QuickBooks Online

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Engineer

I also find their customer service a bit difficult to reach; when I had an issue with a login, it took much longer than expected to get a real person on the phone to help.

Inefficient customer support surprisingly a payment giant like Payal really offers substandard CS, most of the time you are taken around in circles through FAQ's & if lucky you are asked to call back support!

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Access Controls/Permissions

Accounting

ACH Payment Processing

Activity Dashboard

Ad hoc Reporting

AI/Machine Learning

Alerts/Notifications

Anomaly Detection

Authentication

Barcode/Ticket Scanning

Billing & Invoicing

Billing Portal

Cash Management

Check Fraud Detection

Compliance Management

Contact Database

Credit Card Processing

Customizable Dashboard

Customizable Invoices

Data Import/Export

Data Management

Data Security

Data Visualization

Debit/Credit Card Processing

Deferred Billing

Digital Wallet Payments

eCommerce Management

Electronic Payments

Electronic Signature

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

For Banking

For eCommerce

For Food Trucks

For Retail

For Small Businesses

Fraud Detection

In-Person Payments

Internal Fraud Monitoring

Inventory Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Marketing Reports

Mobile Access

Mobile Payments

Monitoring

Multi-Currency

Multi-Location

Multi-Period Recurring Billing

Multiple Payment Options

Online Invoicing

Online Payments

Order Management

Payment Fraud Prevention

Payment Gateway Integration

Payment Links

Payment Options

Payment Processing

Payment Tracking

PCI Compliance

Performance Management

Point of Sale (POS)

Product Catalog

Projections

Promotions Management

Real-time Alerts

Real-Time Data

Real-Time Monitoring

Receipt Management

Recurring Invoicing

Recurring/Subscription Billing

Refund Management

Reminders

Reporting/Analytics

Returns Management

Risk Analysis

Risk Management

Role-Based Permissions

Sales Reports

Sales Tax Management

Scheduled/Automated Reports

Search/Filter

Self Service Portal

Shipping Labels

Shipping Management

Social Media Integration

Status Tracking

Transaction History

Transaction Monitoring

Reviews for PayPal come from a wide variety of industries, including education management (5% of reviewers), information technology and services (5%), and marketing and advertising (5%). The most frequent use case for PayPal cited by reviewers is payment processing (67% of reviewers).

Users and use cases

Most users consider PayPal to offer strong value for money because of its broad feature set, global reach, and flexible integrations. However, some users report that accumulating fees, unfavorable exchange rates, and slow support reduce its overall value.

Value for money

The PayPal integrations most frequently cited by reviewers are: Shopify (an eCommerce product rated 4.6 out of 5 for its integration with PayPal), WooCommerce (an eCommerce product, 4.8), and Wix (a website builder product, 4.6).

Integrations

PayPal is a payment processing tool with key features that include online payments, data security, payment processing, payment fraud prevention, debit/credit card handling, mobile payments, and more.

PayPal

Web-based

iPhone

iPad

Android

Venmo

Payoneer

Cash App

Google Pay

Square Virtual Terminal

Stripe Billing

authorize.net

Wave

Square Payments

Amazon Pay

Squarespace

Mercado Pago

Shopify

BILL Accounts Payable & Receivable

PayPal Point of Sale

 Point of Sale

Card Processing

PayPal and Venmo

Pay Later

Limited global accessibility

One of the things that I found bad, are the fees applied for transactions from PayPal to other payment platforms and in addition, PayPal is not available in all countries and for those who want to send money to people in non-eligible countries, you have to make a laborious and super tiring maneuver.

57% of reviewers feel negative about PayPal’s country availability. Reviewers highlight that PayPal’s services are not fully accessible in many countries, restricting the ability to send or receive payments. They mention challenges with account setup, linking local banks, and currency support in certain regions. Users say these limitations hinder international business and force them to seek alternative payment solutions. Many express frustration with regional restrictions, especially when relocating or working with clients and partners abroad.

Inconsistent fraud and dispute handling

Director of Food & Beverage

I received nothing from the company, no receipt, no tracking, nothing. When disputed with PayPal, suddenly a fictitious tracking number appears from USPS and when I checked with local Post Master, the tracking number was also fraudulent and yet PayPal denied my dispute because this "reputable company" sent them a confirmation of delivery that didn't exist.

66% of reviewers feel negative about PayPal’s fraud protection. Reviewers report dissatisfaction with dispute resolution processes, describing them as slow, opaque, and often favoring buyers or scammers over sellers. They say fraudulent claims can result in frozen accounts or lost funds, even with supporting evidence. Users mention difficulties reaching effective customer support and frustration with automated or generic responses. Many feel the system is vulnerable to abuse, causing financial losses and undermining trust in PayPal’s protections.

Slow and seller-unfriendly refund process

Producer

I had a year's worth of monthly payments that needed to be refunded but your service person said I could only get a refund for 6 months, then I was put on hold for over 30 minutes and then was dropped and had to call back in and never got resolve. Besides the poor customer service, not being able to get a refund beyond 6 months has cost me hundreds of dollars even though the company is willing to make the refund.

Their payment processing is quite slow for business owners and people receiving payments as somebody can cancel a payment on the 29th day of receiving goods or services and get their money back instead of asking the merchants to refund the customer.

57% of reviewers feel negative about PayPal’s refund process. Reviewers indicate that refunds can be slow and complicated, often requiring extensive documentation and long wait times. They say sellers are disadvantaged, as buyers can initiate chargebacks even after receiving goods, leading to lost revenue and products. Users mention non-refundable transaction fees and difficulties contacting customer support for resolution. Many feel the process lacks transparency and can result in financial losses, especially for merchants handling frequent returns.

High and complex fee structure

Business Owner

Paypal would charge processing fees, and if I issued the customer a refund I'd still be responsible for the fees of $100 or more, which is ridiculous and high for a credit card processing company.

68% of reviewers feel negative about PayPal’s fees. Reviewers indicate frustration with transaction fees that can accumulate, especially for small businesses or frequent users. They mention confusion over varying rates for different transaction types, international transfers, and currency conversions. Users feel that fees are often higher than competitors and can impact profit margins. Many express concern about non-refundable fees on refunds and additional charges for expedited transfers or using certain payment methods, making cost predictability difficult.

Customer support and technical glitches

Copywriter

Paypal resolves issues using the following process- Charge you a random fee because they were unable to perform a simple request (your fault, apparently(- Direct you to an automated support bot system where you log a ticket, for no reason- Send you a generic, irrelevant response that doesn't help your problem- You call them instead: After being on hold for 3 hours, they give you a slightly different generic response and then charge you another fee

45% of reviewers feel negative about PayPal’s bugs and issues. Reviewers frequently mention difficulties with customer support, citing long wait times, unhelpful automated responses, and inconsistent problem resolution. They report technical glitches such as login errors, app crashes, and issues with payment processing or account verification. Users say that navigating support channels is often frustrating, with repetitive explanations required and slow follow-up. Many feel these challenges disrupt business operations and erode confidence in the platform’s reliability.

Consistent and trusted performance

97% of reviewers feel positive about PayPal’s reliability. Reviewers indicate they trust PayPal for both personal and business transactions due to its consistent uptime and dependable service. They mention using PayPal for years without major disruptions, and say its reliability is a key reason for continued use. Users highlight that PayPal’s global reach and reputation make it a preferred choice for handling money, and they feel confident recommending it to others. Many appreciate the platform’s stability and the peace of mind it brings.

Comprehensive transaction security

QA Manager

Several security steps makes websites using PayPal feel safe to use and by from

96% of reviewers feel positive about PayPal’s safe transactions. Reviewers appreciate the multiple security layers, such as OTP verification and not needing to share card details with merchants. They say PayPal’s longstanding reputation and proactive communication about policy changes contribute to their sense of safety. Users feel reassured storing their information with PayPal, especially when shopping with unfamiliar vendors or making donations. Many highlight the convenience of secure transactions and the peace of mind provided by PayPal’s buyer and seller protections.

Versatile invoicing features

Coach

I am able to create custom invoices, set up automatic payments and offer my clients options for submitting their payments.

Owner

I love being able to send out invoices and have split payments for my customers and also being able to send out reminders for those that are forgetful.

93% of reviewers feel positive about PayPal’s invoicing capabilities. Reviewers appreciate being able to create, customize, and send invoices quickly, with options for branding, templates, and recurring billing. They say the invoicing system streamlines payment collection for small businesses and freelancers, allowing clients to pay easily without needing a PayPal account. Users mention the ability to track payments, set up reminders, and manage customer information, which helps with organization and accounting. Many feel these features save time and improve professionalism.

Student

The system works well for everyday transactions, invoicing, and international payments. While fees and customer support response times could be improved, PayPal remains a trusted solution thanks to its security, wide acceptance, and convenience.

Data Encoder

From a business perspective, the Invoicing tool is a standout feature—it’s clean, calculates tax automatically, and looks professional to high-end clients.

Owner,Bookkeeper,TAxPreparer

PayPal is the go-to for fast, secure online payments. While not a full accounting tool, it's excellent for collecting payments, sending invoices quickly, and managing basic expense tracking on the go

Commercial Director

The high cross-border transaction cost does not give good value to us as our B2B volume increases and the customer care is aggravatingly slow when we face some unforeseen bugs and problems when it comes to processing complicated refunds in case of damaged shipments.

HR Manager

The ability to integrate with various tools and e-commerce systems adds to its value, and the mobile app makes it easy to stay on top of transactions in real time. While fees and occasional account limitations can be a drawback, the overall convenience, reliability, and accessibility of PayPal make it a practical and effective solution for everyday payment needs.

Art Instructor

The platform is intuitive, widely recognized, and trusted by customers, which helps increase buyer confidence and makes the payment process smoother. While there is room for improvement in areas such as transaction costs, occasional technical issues, and expanded marketing tools, PayPal has remained a valuable part of my business operations.

It provides a convenient and reliable way to send and receive payments globally, which is especially valuable for international business. While there are some drawbacks, such as fees and occasional delays in support, the platform’s ease of use, broad acceptance, and security features make it a dependable solution for everyday transactions.

Lash extension supplier

I have always used PayPal as I feel it is a lot safer when ordering products from overseas as there is more protection and I have also integrated it into my websites and booking apps due to its ease of use and accessible invoicing , refunds , customer support , bugs and issues value for money and customization.

Software Engineer

Its user-friendly interface and mobile app make managing payments convenient, while features like transaction tracking and buyer protection add extra confidence and security.

Customer service

I particularly value the convenience of managing transactions, tracking payment history, and sending invoices from a single platform. Although the fees and occasional account review processes can be drawbacks, the reliability, ease of use, and global reach make PayPal a valuable tool for both personal and business financial transactions.

Process Engineer

I first made a PayPal account when I started buying and selling on eBay many years ago. Since that time the number of both online vendors and private individuals who have made PayPal accounts continually rises so that more and more transactions can be processed using PayPal as opposed to other less common payment methods

You can also maintain a balance in your PayPal account by topping it up, receiving payments from other users, and then transferring that balance wherever you want or reusing it for payments.

Senior consultant

Payments are processed efficiently, and the platform offers useful features such as invoicing, transaction tracking, and buyer/seller protection.

PayPal also provides a user-friendly interface through its website and mobile app, allowing people to manage payments, track transaction history, and link multiple bank accounts or cards in one place.

PERSONAL USER

It also offers multiple payment options, allowing users to link bank accounts, debit cards, and credit cards for added flexibility.

PayPal allows users to send and receive money easily without sharing sensitive bank or card details directly with sellers, which helps protect personal financial information.

Another important feature is its buyer and seller protection policy, which gives users confidence while making transactions because disputes and unauthorized payments can be resolved more safely.

Creative

Unexpected Account Holds: PayPal’s automated security systems can freeze funds or place temporary holds on accounts, which can disrupt cash flow for small businesses.

billing specialist

It has pay later options, credit card options, you can connect to your bank account, you can send money and many more options.

HR Coordinator

PayPal offers a variety of services, but mostly it secures online transactions. When paying at almost all retailers or providers you can opt to securely pay via PayPal instead of entering your credit or debit card details.

PayPal vs Billsby Comparison (2026)

PayPal

Billsby

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives