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PayPal

The global standard for online payments and buyer protection.

4.4
(42 reviews)
Visit Website
  • PriceFree – merchant fees
  • Founded1998
  • HQSan Jose, US
  • Employees10,000+

About PayPal

PayPal is still the most widely accepted digital wallet online, with buyer protection that makes strangers safe to pay. P2P transfers, Pay Later plans, and crypto sit alongside checkout in 200+ markets, 100+ currencies.

Key Features

  • Online checkout wallet
  • Purchase protection
  • Pay in 4 installments
  • International transfers
  • Crypto buy/hold

Pros & Cons

Pros

  • Accepted almost everywhere online
  • Strong buyer protection
  • Instant P2P with balance

Cons

  • Merchant fees on receiving
  • Account freezes frustrate sellers

Frequently Asked Questions

Is PayPal free?
Free for personal payments from balance/bank; merchants pay fees.
What does buyer protection cover?
Eligible items not received or materially not as described.
Can I pay in installments?
Pay in 4 splits qualifying purchases interest-free.

Reviews

4.4

42 reviews

Write a review


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Best For

Online shoppers and freelancers wanting universally accepted payments.

Use Cases

Paying online without exposing card details to merchants
Sending money to friends and family domestically and abroad
Receiving payments as a freelancer or small online business
Buyer protection on marketplace and cross-border purchases
Pay in 4 installment financing at millions of checkouts

Pricing Details

PayPal is free for personal purchases and for sending money from a linked bank in the US. Businesses pay roughly 2.99–3.49% plus fixed fees per transaction. International personal transfers and currency conversion carry fees around 3–4%, and instant bank withdrawals cost about 1.75%. No monthly fees for standard accounts.

Security & Trust

PayPal never shares your financial details with sellers, offers two-factor authentication and passkeys, and backs eligible purchases with Buyer Protection covering non-delivery and misdescription. Phishing emails impersonating PayPal are endemic — always open the app directly rather than clicking email links, and verify requests inside your account.

Alternatives To Consider

Wise crushes PayPal on international transfer fees and exchange rates. Venmo (PayPal-owned) and Zelle handle US friend payments faster, while Stripe serves online businesses with better developer tools. Apple Pay and Google Pay cover tap-to-pay checkout privacy without an extra account.

Editorial Verdict

PayPal is still the safest generalist wallet for online shopping — ubiquitous acceptance and real buyer protection nothing else quite matches. Its fees for international transfers and currency conversion are poor value next to Wise. Keep it for purchases and protection; move money across borders elsewhere.

Sources & Review Notes

Last reviewed: July 26, 2026