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PayPal Payments vs Windward System Five Comparison (2026)

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PayPal Payments logo

PayPal Payments

Windward System Five logo

Windward System Five

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.

Windward System Five on Cloud is a complete retail management system that brings POS, inventory, purchasing, CRM, and accounting into one platform — built for independent retailers running real, often complex, operations. Single store to multi-location, specialty catalogs to high-volume retail.

  • 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

Pricing

Starting from

0.09

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

Starting from

135

/user

Per month

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

User reviews

4.6

26.8K

5

4

3

2

1

19.8K

5.3K

1K

213

330

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

3.8

189

5

4

3

2

1

71

64

20

15

19

  • Value for money
  • Ease of use
  • Features
  • Customer support
53%
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

“Capable with inventory tracking, private customer data management, and invoicing.”
MB

Mason B.

Sales Associate

“The interface is good, we host on premises so performance is generally OK (after 20+ years our dataset is getting big and some reports are slow.)”
GH

Greg H.

Owner

“It has been great learning a new system and tailoring it to the needs of my bosses and the business.”
SH

Shauna H.

Accounts Payable Manager and Bookkeeping Assistant

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

“The system is more POS friendly than accounting friendly. If you do not learn about the system, it can mess up the information more so there needs to be better training especially for the older users that have been using the system for a long time.”
SH

Shauna H.

Accounts Payable Manager and Bookkeeping Assistant

“Currently I can set up different percentages based on supplier, sub category and others, BUT I am unable to set a pricing matrix with varying percentages for an increasing cost value.”
JG

Jeff G.

PARTS MANAGER

“Development is out of control - one developer in one area will fix something but that will break 4 other things in other areas.”
GH

Greg H.

Owner

  • Vendor responds to reviews
  • Last review7 days ago
  • Vendor responds to reviews
  • Last reviewa year ago

Key features

  • Total features96
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Ad hoc Reporting
  • Age Verification
  • Alerts/Notifications
  • Anomaly Detection
  • Asset Lifecycle Management
  • Asset Tracking
  • Authentication
  • Availability Indicator
  • Availability Management
  • Bank Reconciliation
  • Barcode Recognition
  • Barcode/Ticket Scanning
  • Barcoding/RFID
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Calendar Management
  • Cash Flow Management
  • Cash Management
  • Chart of Accounts
  • Check Fraud Detection
  • Check-in/Check-out
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contract/License Management
  • Cost Tracking
  • Credit Card Processing
  • Currency Conversion
  • Customer Accounts
  • Customer Database
  • Customer History
  • Customer Management
  • Customizable Dashboard
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • Discount Management
  • Document Management
  • Document Storage
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Email Marketing
  • Employee Management
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • Fleet Management
  • For Banking
  • For Food Trucks
  • For Liquor Stores
  • For Retail
  • For Small Businesses
  • For eCommerce
  • Forecasting
  • Fraud Detection
  • General Ledger
  • Gift Card Management
  • In-Person Payments
  • Income & Balance Sheet
  • Inspection Management
  • Internal Fraud Monitoring
  • Inventory Management
  • Inventory Optimization
  • Inventory Replenishment
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Item Management
  • Layaway Management
  • Loyalty Program
  • Maintenance Management
  • Maintenance Scheduling
  • Marketing Reports
  • Merchandise Management
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Ordering Automation
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Price/Margin Management
  • Pricing Management
  • Product Catalog
  • Product Identification
  • Project Management
  • Projections
  • Promotions Management
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reminders
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Reservations Management
  • Retail Inventory Management
  • Retail Management
  • Retail POS
  • Returns Management
  • Returns Tracking
  • Risk Analysis
  • Risk Management
  • Role-Based Permissions
  • SKU/UPC Codes
  • Sales Order Management
  • Sales Reports
  • Sales Tax Management
  • Sales Trend Analysis
  • Scheduled/Automated Reports
  • Scheduling
  • Search/Filter
  • Self Service Portal
  • Serial Number Tracking
  • Shipping Labels
  • Shipping Management
  • Social Media Integration
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Tax Management
  • Third-Party Integrations
  • Touch Screen
  • Transaction History
  • Transaction Monitoring
  • Utilization Reporting
  • Warehouse Management
  • Work Order Management
  • eCommerce Management
  • Total features119
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Ad hoc Reporting
  • Age Verification
  • Alerts/Notifications
  • Anomaly Detection
  • Asset Lifecycle Management
  • Asset Tracking
  • Authentication
  • Availability Indicator
  • Availability Management
  • Bank Reconciliation
  • Barcode Recognition
  • Barcode/Ticket Scanning
  • Barcoding/RFID
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CRM
  • Calendar Management
  • Cash Flow Management
  • Cash Management
  • Chart of Accounts
  • Check Fraud Detection
  • Check-in/Check-out
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contract/License Management
  • Cost Tracking
  • Credit Card Processing
  • Currency Conversion
  • Customer Accounts
  • Customer Database
  • Customer History
  • Customer Management
  • Customizable Dashboard
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Digital Wallet Payments
  • Discount Management
  • Document Management
  • Document Storage
  • EDI
  • Electronic Payments
  • Electronic Signature
  • Email Marketing
  • Employee Management
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • Fleet Management
  • For Banking
  • For Food Trucks
  • For Liquor Stores
  • For Retail
  • For Small Businesses
  • For eCommerce
  • Forecasting
  • Fraud Detection
  • General Ledger
  • Gift Card Management
  • In-Person Payments
  • Income & Balance Sheet
  • Inspection Management
  • Internal Fraud Monitoring
  • Inventory Management
  • Inventory Optimization
  • Inventory Replenishment
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Item Management
  • Layaway Management
  • Loyalty Program
  • Maintenance Management
  • Maintenance Scheduling
  • Marketing Reports
  • Merchandise Management
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Ordering Automation
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Options
  • Payment Processing
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Price/Margin Management
  • Pricing Management
  • Product Catalog
  • Product Identification
  • Project Management
  • Projections
  • Promotions Management
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reminders
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Reservations Management
  • Retail Inventory Management
  • Retail Management
  • Retail POS
  • Returns Management
  • Returns Tracking
  • Risk Analysis
  • Risk Management
  • Role-Based Permissions
  • SKU/UPC Codes
  • Sales Order Management
  • Sales Reports
  • Sales Tax Management
  • Sales Trend Analysis
  • Scheduled/Automated Reports
  • Scheduling
  • Search/Filter
  • Self Service Portal
  • Serial Number Tracking
  • Shipping Labels
  • Shipping Management
  • Social Media Integration
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Tax Management
  • Third-Party Integrations
  • Touch Screen
  • Transaction History
  • Transaction Monitoring
  • Utilization Reporting
  • Warehouse Management
  • Work Order Management
  • eCommerce Management

Integrations

  • Total integrations50
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • AthletaDesk
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • Cognito Forms
  • Constant Contact
  • Datacap
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Global Payments Integrated
  • Google Pay
  • Gravity Forms
  • Invoice Simple
  • Invoice2go
  • Joist
  • Jotform
  • Keap
  • Microsoft Power BI
  • Miva
  • Ninja Forms
  • OpenCart
  • Paymo
  • Payoneer
  • QuickBooks Online
  • RocketRez
  • Salesforce Commerce Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Spreedly
  • Squarespace
  • Stripe Payments
  • SubscriptionFlow
  • TutorBird
  • Venmo
  • Volusion
  • WebSell
  • Wix
  • WooCommerce
  • WordPress
  • Worldpay for Enterprise
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce
  • Total integrations7
  • 123FormBuilder
  • 17hats
  • Acuity Scheduling
  • AthletaDesk
  • BetterUnite
  • BigCommerce
  • Cash App
  • Chargebee
  • Cognito Forms
  • Constant Contact
  • Datacap
  • Donorbox
  • Ecwid
  • Formsite
  • Fundraise Up
  • GiveSmart
  • GiveWP
  • Global Payments Integrated
  • Google Pay
  • Gravity Forms
  • Invoice Simple
  • Invoice2go
  • Joist
  • Jotform
  • Keap
  • Microsoft Power BI
  • Miva
  • Ninja Forms
  • OpenCart
  • Paymo
  • Payoneer
  • QuickBooks Online
  • RocketRez
  • Salesforce Commerce Cloud
  • Shift4Shop
  • Shopify
  • Shopware
  • Spreedly
  • Squarespace
  • Stripe Payments
  • SubscriptionFlow
  • TutorBird
  • Venmo
  • Volusion
  • WebSell
  • Wix
  • WooCommerce
  • WordPress
  • Worldpay for Enterprise
  • Wufoo
  • X-Cart
  • Xero
  • Zuora
  • commercetools
  • nopCommerce