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PayPal Payments vs Cube Comparison (2026)

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PayPal Payments logo

PayPal Payments

Cube logo

Cube

Overview

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.

Cube is the financial reporting software that ensures you don’t have to rebuild your financial models or reporting templates. Simply connect your existing spreadsheets to centralized data in Cube, ensuring accuracy and real-time updates—without disrupting the tools and workflows you rely on.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

No videos yet

Pricing

Starting from

0.09

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

Empty state illustration for "No pricing info"

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.6

26.7K

5

4

3

2

1

19.7K

5.3K

1K

211

323

  • Value for money
  • Ease of use
  • Features
  • Customer support
83%
would recommend this app

4.6

79

5

4

3

2

1

50

27

2

0

0

  • Value for money
  • Ease of use
  • Features
  • Customer support
92%
would recommend this app

Pros

“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”
SA

Suman A.

Owner,Bookkeeper,TAxPreparer

“The sandbox environment works well enough for testing different payment scenarios before you push anything to production. Plus, the transaction logs are detailed, which really helps when you're debugging failed payments or trying to track down issues our users report.”
YO

Yusuf O.

Lead Software Engineer

“Using PayPal’s instant transfer feature has saved me a lot of hassle. Whenever I need to move money between my business account and personal wallet, the button pops up right in the checkout and the funds arrive within minutes, so I never have to wait for a bank transfer to clear.”
JP

Jessica P.

Finance Manager

Pros

“My over experience has been pleasant I cannot complain. As systems all are growing due to technology changes it is nice to have a user friendly system.”
Verified reviewer profile picture

Kerry G.

Lead Sales Representative and bar tender

“Secondly, the ability to overlay Cube into our existing Excel forecasting models and management reporting has made it exactly the right tool for our business.”
CR

Charly R.

Senior FP and A Analyst

“No detailed project management tool to track progress of important FP&A projects like budgets, long term plans or rolling forecasts.”
AS

Andrew S.

Head of FPA and Commercial Finance

Cons

“While PayPal allows you to accept payments and secures everything for both parties, the payment processing fails when people want to pay with a credit card, due to too many verification steps.”
SM

Sandra M.

Owner

“The high processing and cross-border transaction fees and strict security policies that can unexpectedly freeze accounts or hold funds without fast access to human customer support is the biggest pain point for me”
Verified reviewer profile picture

Ekpono A.

Software Engineer

“Customer support repeatedly provided generic responses without explaining the reason for the suspension or offering any meaningful appeal process. While PayPal excels in ease of use and is a trusted payment option for customers, the possibility of losing access to your account without explanation makes it difficult for me to recommend relying on it as your primary payment processor.”
Verified reviewer profile picture

Victoria T.

Self-Employed

Cons

“We could never get an automatic data connection with NetSuite working, so it is always a manual upload process each month.”
AY

Anthony Y.

Senior Manager, Finance

“The implementation phase has taken longer than we had anticipated, and data errors/incorrect values continue to pop up when comparing to our ERP system that we connected to.”
JT

Jon T.

Senior FP&A Analyst

“Integration into our ERP is a bit clunky as it needs file download and upload.”
DS

Dan S.

Commercial Manager

  • Vendor responds to reviews
  • Last review4 days ago
  • Vendor responds to reviews
  • Last review6 months ago

Key features

  • Total features96
  • "What If" Scenarios
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Authentication
  • Barcode/Ticket Scanning
  • Benchmarking
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Cash Flow Management
  • Cash Management
  • Chart of Accounts
  • Check Fraud Detection
  • Collaboration Tools
  • Compliance Management
  • Consolidation/Roll-Up
  • Contact Database
  • Credit Card Processing
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Dashboard
  • Dashboard Creation
  • Data Import/Export
  • Data Integration
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • Drag & Drop
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Expense Management
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • For Banking
  • For Food Trucks
  • For Retail
  • For Small Businesses
  • For eCommerce
  • Forecasting
  • Fraud Detection
  • General Ledger
  • In-Person Payments
  • Income & Balance Sheet
  • Internal Fraud Monitoring
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Key Performance Indicators
  • Marketing Reports
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Company
  • Multi-Currency
  • Multi-Department/Project
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Planning Tools
  • Point of Sale (POS)
  • Product Catalog
  • Profit/Loss Statement
  • Projections
  • Promotions Management
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reminders
  • Reporting & Statistics
  • Reporting/Analytics
  • Returns Management
  • Risk Analysis
  • Risk Management
  • Role-Based Permissions
  • Sales Forecasting
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Scheduled/Automated Reports
  • Search/Filter
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Labels
  • Shipping Management
  • Social Media Integration
  • Status Tracking
  • Strategic Planning
  • Third-Party Integrations
  • Transaction History
  • Transaction Monitoring
  • Version Control
  • Visual Analytics
  • Workflow Management
  • eCommerce Management
  • Total features48
  • "What If" Scenarios
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Authentication
  • Barcode/Ticket Scanning
  • Benchmarking
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Cash Flow Management
  • Cash Management
  • Chart of Accounts
  • Check Fraud Detection
  • Collaboration Tools
  • Compliance Management
  • Consolidation/Roll-Up
  • Contact Database
  • Credit Card Processing
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Dashboard
  • Dashboard Creation
  • Data Import/Export
  • Data Integration
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • Drag & Drop
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Expense Management
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • For Banking
  • For Food Trucks
  • For Retail
  • For Small Businesses
  • For eCommerce
  • Forecasting
  • Fraud Detection
  • General Ledger
  • In-Person Payments
  • Income & Balance Sheet
  • Internal Fraud Monitoring
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Key Performance Indicators
  • Marketing Reports
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Company
  • Multi-Currency
  • Multi-Department/Project
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Planning Tools
  • Point of Sale (POS)
  • Product Catalog
  • Profit/Loss Statement
  • Projections
  • Promotions Management
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reminders
  • Reporting & Statistics
  • Reporting/Analytics
  • Returns Management
  • Risk Analysis
  • Risk Management
  • Role-Based Permissions
  • Sales Forecasting
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Scheduled/Automated Reports
  • Search/Filter
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Labels
  • Shipping Management
  • Social Media Integration
  • Status Tracking
  • Strategic Planning
  • Third-Party Integrations
  • Transaction History
  • Transaction Monitoring
  • Version Control
  • Visual Analytics
  • Workflow Management
  • eCommerce Management

Integrations

  • Total integrations51
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • Acumatica Cloud ERP
  • Amazon Redshift
  • AthletaDesk
  • BambooHR
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • ChartHop
  • Cognito Forms
  • Constant Contact
  • Coupa
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Google Pay
  • Gravity Forms
  • Greenhouse
  • Invoice Simple
  • Invoice2go
  • JazzHR
  • Joist
  • Jotform
  • Justworks
  • Keap
  • Looker
  • Microsoft Excel
  • Miva
  • MongoDB
  • Namely
  • NetSuite
  • Ninja Forms
  • OpenCart
  • Ordway
  • Paycom
  • Paylocity
  • Paymo
  • Payoneer
  • Pipedrive
  • QuickBooks Online
  • Rippling
  • RocketRez
  • Sage Intacct
  • Salesforce Commerce Cloud
  • Salesforce Nonprofit Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Snowflake
  • Spreedly
  • Squarespace
  • Stripe Payments
  • SubscriptionFlow
  • TBD
  • Tableau
  • TriNet HR Plus
  • TutorBird
  • Venmo
  • Volusion
  • Wix
  • WooCommerce
  • WordPress
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce
  • Total integrations25
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • Acumatica Cloud ERP
  • Amazon Redshift
  • AthletaDesk
  • BambooHR
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • ChartHop
  • Cognito Forms
  • Constant Contact
  • Coupa
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Google Pay
  • Gravity Forms
  • Greenhouse
  • Invoice Simple
  • Invoice2go
  • JazzHR
  • Joist
  • Jotform
  • Justworks
  • Keap
  • Looker
  • Microsoft Excel
  • Miva
  • MongoDB
  • Namely
  • NetSuite
  • Ninja Forms
  • OpenCart
  • Ordway
  • Paycom
  • Paylocity
  • Paymo
  • Payoneer
  • Pipedrive
  • QuickBooks Online
  • Rippling
  • RocketRez
  • Sage Intacct
  • Salesforce Commerce Cloud
  • Salesforce Nonprofit Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Snowflake
  • Spreedly
  • Squarespace
  • Stripe Payments
  • SubscriptionFlow
  • TBD
  • Tableau
  • TriNet HR Plus
  • TutorBird
  • Venmo
  • Volusion
  • Wix
  • WooCommerce
  • WordPress
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce