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PayPal vs Dwolla Comparison (2026)

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PayPal logo

PayPal

Dwolla logo

Dwolla

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.

Dwolla is an ACH payment facilitator for large companies with mass payouts. It integrates with various payment networks to schedule and process payments in real-time with Plaid authentication, Sift fraud monitoring, Slack notifications, and QuickBooks exporting.

  • 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 screenshots 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

4.3

43

5

4

3

2

1

25

11

4

0

3

  • Value for money
  • Ease of use
  • Features
  • Customer support
66%
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 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.”
BZ

Briana Z.

Art Instructor

“The platform makes complex payment workflows feel simple, with intuitive navigation, clear transaction history, and useful invoicing tools that support both individuals and businesses.”
BH

Braden H.

Senior Product Designer

Pros

“API integration and customer service is at the top within our vendor relationships.”
DS

Doris S.

Founder-CEO

“Consumers want rapid payments.”
DS

Doris S.

Founder-CEO

“The customer support process could be improved.”
MD

Micah D.

CTO

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

“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

“I was once unable to claim a payment due to PayPal requiring documentation on my end, which, while I appreciate the heightened security, their automated process had an issue in which it wouldn't accept the document I was providing, even though it met the requirements.”
AE

Andrea E.

Illustrator and Designer

Cons

“Dashboard UI is a bit unintuitive for users”
Verified reviewer profile picture

Alexander J.

Co-founder, Head of Product

“It seems that the average Dwolla support rep is not very interested in providing support.”
MD

Micah D.

CTO

“The ACH processing windows are pretty long and the path to reducing them can be a little pricey.”
NI

Naveed I.

CEO

  • Vendor responds to reviews
  • Last review5 days ago
  • Vendor responds to reviews
  • Last review2 years ago

Key features

  • Total features96
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Activity Dashboard
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Authentication
  • Barcode/Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • CRM
  • Cash Management
  • Check Fraud Detection
  • Compliance Management
  • Contact Database
  • Credit Card Processing
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • For Banking
  • For Food Trucks
  • For Retail
  • For Small Businesses
  • For eCommerce
  • 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
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Product Catalog
  • Projections
  • Promotions Management
  • Real-Time Data
  • Real-Time Monitoring
  • Real-time Alerts
  • 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
  • eCommerce Management
  • Total features18
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Activity Dashboard
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Authentication
  • Barcode/Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • CRM
  • Cash Management
  • Check Fraud Detection
  • Compliance Management
  • Contact Database
  • Credit Card Processing
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • For Banking
  • For Food Trucks
  • For Retail
  • For Small Businesses
  • For eCommerce
  • 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
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Product Catalog
  • Projections
  • Promotions Management
  • Real-Time Data
  • Real-Time Monitoring
  • Real-time Alerts
  • 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
  • eCommerce Management

Integrations

  • Total integrations51
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • AthletaDesk
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • Cognito Forms
  • Constant Contact
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Google Pay
  • Gravity Forms
  • Invoice Simple
  • Invoice2go
  • Joist
  • Jotform
  • Keap
  • Miva
  • Ninja Forms
  • OpenCart
  • PayPal Enterprise Payments
  • Paymo
  • Payoneer
  • Plaid
  • QuickBooks Online
  • RocketRez
  • Salesforce Commerce Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Slack
  • Spreedly
  • Squarespace
  • Stripe
  • SubscriptionFlow
  • TutorBird
  • Venmo
  • Volusion
  • Wix
  • WooCommerce
  • WordPress
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce
  • Total integrations2
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • AthletaDesk
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • Cognito Forms
  • Constant Contact
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Google Pay
  • Gravity Forms
  • Invoice Simple
  • Invoice2go
  • Joist
  • Jotform
  • Keap
  • Miva
  • Ninja Forms
  • OpenCart
  • PayPal Enterprise Payments
  • Paymo
  • Payoneer
  • Plaid
  • QuickBooks Online
  • RocketRez
  • Salesforce Commerce Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Slack
  • Spreedly
  • Squarespace
  • Stripe
  • SubscriptionFlow
  • TutorBird
  • Venmo
  • Volusion
  • Wix
  • WooCommerce
  • WordPress
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce