“Clear pricing and simple payments”

Pros

Using it feels simple from start to finish. Everything is clearly shown before the transaction goes through so there are no surprise charges or hidden fees to worry about.

Cons

The processing fees are still a downside and the cost of handling purchases feels higher than it should be.

“They didn’t help me”

Pros

Nothing good to mention about it.

Cons

Be very careful when buying through PayPal. I was scammed on a purchase made through it and instead of helping me as the victim, they left me on my own and started demanding the money from me. I made a purchase through PayPal, the seller never contacted me and of course never sent anything. I asked my bank to reverse the payment and also opened a claim or dispute in PayPal but they closed it unilaterally. Then PayPal put my balance at -68 EUR which was the amount of the purchase and started calling me to pressure me into paying. I explained that I am not the scammer, I am the victim and that they should recover the money from the fraudster. On top of that, this person was clearly not doing it for the first time so it should have been easy to identify the pattern. Their answer was basically that yes, they would investigate but first I had to pay. Meanwhile, I assume PayPal still kept its commission from the transaction which honestly makes them feel complicit in the scam. After that, they told me to pay and said they would give me a 33 EUR bonus for future purchases, as if I would ever buy through PayPal again. I told them they could check my history and see that I have never had any payment issues. In fact, I even have a scheduled payment coming up, an installment split into three parts and I fully intend to pay that last remaining installment. What I will not do is pay for a scam. Their response was that the bonus had already been activated whether I wanted it or not and that I had six months to use it. The final insult is that now a debt collection company is calling me three or four times a day.

“Available in a lot of countries”

Pros

Been very easy to handle and it's available in a lot of countries which makes it really convenient.

Cons

I don't like that not every hotel or restaurant accepts it.

“Become essential for me”

Pros

Between online shopping and getting paid, PayPal has become almost essential for me. It's secure, quick and accepted in just about every part of the world. I can buy things and receive money without sharing sensitive personal details or my bank account information. Another thing I really appreciate is being able to see my transaction history immediately, with all the important details visible at a glance, without digging through extra menus or having to sign in again.

Cons

The biggest downside is the cost because the service is expensive and really only makes sense when you truly need it. My inbox also gets flooded with useless "gift" emails and when I finally check them, the offer has usually already expired or something similar. I keep notifications enabled since I need the important alerts so that part gets pretty annoying.

“Removes the need for checks”

Pros

Having that extra layer of account protection is the part I appreciate most. It gives you real confidence when using linked credit cards, debit cards or other payment methods to shop online, send money or cover bills. I also prefer paying through it instead of entering my card details directly on retail websites since it keeps that information hidden from merchants. On top of that, sending money is usually simple and free in most cases. It basically removes the need for checks and expensive wire transfer services.

Cons

At times, transactions can take longer than expected and some payments may even be placed on hold for up to five days.

“Every store accepts it”

Pros

Almost every online store seems to accept it which makes it really convenient to use. It also feels a lot safer linking this than sharing my bank account details directly.

Cons

The payment processing is a bit slower than I'd like.

“Outdated tech and support”

Pros

Everything about it feels stuck in the stone age, from the technology to the customer service.

Cons

The nonstop two-factor authentication prompts are constantly bombarding you.

“Versatile payment options”

Pros

I can link pretty much any credit or debit card to it and it also lets me connect a savings account.

Cons

The commission fees are a bit high and that makes it harder to carry out transactions at a lower cost.

“Dependable product”

Pros

It has been a dependable product to use and it generally feels very reliable although there is still a fairly high chance of account limitations when fraud-related cases come up.

Cons

I wish the permanent account limitation process would change. I'd strongly request reducing how often accounts end up being permanently limited.

“Everything i need in one place”

Pros

This software is pretty easy to understand and it covers everything I need while giving me all the benefits I'm looking for.

Cons

There really isn't anything difficult here, you can do what you need without running into problems.

“Global payments with rewards”

Pros

Getting paid through it has been really convenient since I can receive money from different countries, convert it into the currency I prefer and even get rewards on top of that.

Cons

I don’t like the processing fee charged when receiving money.

“Broad range of payment processing options”

Pros

I appreciate the wide range of payment processing options it gives me.

Cons

I haven't run into anything about it that I dislike.

“Brilliant payment tool”

Pros

It has been consistently dependable for handling payments and it does exactly what I need without any hassle.

Cons

I haven't run into any real issues with it so there's nothing notable for me to complain about.

“Meets all my needs”

Pros

Between online shopping, e-commerce and eBay sales, it covers just about everything I need in one secure and widely accepted platform. I can send and receive payments for nearly anything online which makes it really convenient. On top of that, I can also use the PayPal card for in-person purchases with funds loaded directly from my eBay sales which is a big plus.

Cons

The only thing I'd change is having the accounts department support line available 24/7.

“Makes money management simple”

Pros

What I enjoy most about this software is how simple it makes managing money and how well it connects with different websites that help generate that income. It feels very trustworthy, is simple to use and is recognized worldwide. I also really love the app's design.

Cons

In general, the fees they charge are too high.

“Works everywhere I need it”

Pros

Appreciate being able to use it just as comfortably on my phone as I do on my laptop.

Cons

I like everything about it so far.

“Feels priceless”

Pros

Whether I'm paying for something or sending money, this platform is incredibly handy for all kinds of transactions. It's useful, practical and honestly feels priceless.

Cons

At this point, I don't really see anything that needs improvement. It already feels awesome as it is.

“Handy payouts and cashback”

Pros

Once you have an account set up, the money is deposited directly there and you can use the debit card either to withdraw cash or pay for purchases while also earning cash back.

Cons

Customers can file chargebacks pretty easily and those cases usually seem to end up in their favor.

“Saves a lot of my time”

Pros

Getting paid electronically from anywhere in the world is exactly why I enjoy using it so much. It saves me a lot of time and I end up paying far lower fees than I would with other institutions. That's a huge advantage.

Cons

The registration process for sending money to other institutions doesn't always go through on the first try. When you need to receive funds quickly, that can definitely become a problem.

“PayPal is a gamechanger”

Pros

Almost anywhere you go, it is accepted which makes it really convenient. It supports all kinds of credit and debit cards and you don't have to provide a lot of personal information just to send or receive money. Even when your PayPal balance is empty, you can still use funds from your bank card to send money to someone else. The app is also very user-friendly.

Cons

Where I live, cashing out the balance is frustrating because you need a US bank account to withdraw it directly. Without one, the only options are sending the money to someone who has a US account or requesting a cheque instead.