PayPal vs PayPal Enterprise Payments

Round by round

1. Round 1What an online card sale costsPayPal Enterprise Payments wins
   PayPal5/10

   3.49%

   PayPal Checkout, US domestic sale

   • 3.49%, against 2.89%

   Source: paypal.com ↗

   PayPal Enterprise Payments8/10

   2.89%

   standard card rate for US merchants

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the company itself publishes.

2. Round 2The fixed fee on every salePayPal Enterprise Payments wins
   PayPal5/10

   49 cents

   per US sale

   • 49 cents, against 29 cents

   Source: kurums.com ↗

   PayPal Enterprise Payments8/10

   29 cents

   per transaction

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on independent review-site data, not on its own claims.

3. Round 3How easy it is to usePayPal wins
   PayPal8/10

   4.6 out of 5

   ease-of-use rating from Capterra reviewers

   Source: capterra.com ↗

   PayPal Enterprise Payments5/10

   4.1 out of 5

   ease-of-use rating from Capterra reviewers

   • 4.1 out of 5, against 4.6 out of 5

   Source: capterra.com ↗

   PayPal wins this round on independent review-site data, not on its own claims.

4. Round 4What a lost chargeback costsTie
   PayPal7/10

   $15

   per dispute in US dollars

   Source: paypal.com ↗

   PayPal Enterprise Payments7/10

   $15

   per chargeback

   Source: paypal.com ↗

   Nothing to separate them here.

5. Round 5The extra charge on foreign cardsPayPal Enterprise Payments wins
   PayPal5/10

   +1.5% international

   PayPal business account, standard credit and debit card payments (US)

   • +1.5% international, against +1% non-US cards

   Source: paypal.com ↗

   PayPal Enterprise Payments8/10

   +1% non-US cards

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

6. Round 6What converting currency costsPayPal Enterprise Payments wins
   PayPal5/10

   3% conversion spread

   PayPal business account, standard credit and debit card payments (US)

   • 3% conversion spread, against +1% non-USD currency

   Source: paypal.com ↗

   PayPal Enterprise Payments8/10

   +1% non-USD currency

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

7. Round 7Taking bank (ACH) paymentsPayPal Enterprise Payments wins
   PayPal5/10

   1% capped at $10 (invoices)

   PayPal business account, standard credit and debit card payments (US)

   • 1% capped at $10 (invoices), against 0.75% (capped at $5)

   Source: paypal.com ↗

   PayPal Enterprise Payments8/10

   0.75% (capped at $5)

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

Side by side

PayPal

Check price

PayPal Enterprise Payments

Check price

Overall score

6.0

6.8

Best

Price

See price

See price

What customers say on Trustpilot

5.3

6.0

The fixed fee on every sale

5.0

7.0

What it costs just to have an account

7.3

—

Taking bank (ACH) payments

5.0

7.8

What a lost chargeback costs

5.8

6.0

Head-to-head findings

What customers say on Trustpilot

1.4 out of 5

1.5 out of 5

The fixed fee on every sale

49 cents

29 cents

What it costs just to have an account

No monthly fee

—

Taking bank (ACH) payments

1% capped at $10 (invoices)

0.75% (capped at $5)

What a lost chargeback costs

$20 chargeback fee

$15

How fast your money reaches the bank

1-3 business days

—

What an online card sale costs

3.49%

2.89%

How easy it is to use

4.6 out of 5

4.1 out of 5

Record

Head-to-head record

1–6

4–2–1

Head-to-heads won

14 %

67 %

Rounds won

26 %

44 %

Pros

Cons

• 3.49%, against 2.9%
• 49 cents, against 30 cents
• 1.4 out of 5, against 1.6 out of 5
• $20 chargeback fee, against $15 per dispute (+$15 if contested)

• 130+ currencies, against 135+ currencies
• 30+ payment methods, against 100+ payment methods
• 4.1 out of 5, against 4.6 out of 5
• 1.5 out of 5, against 3.7 out of 5

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