“Fast payments without bank transfers”

Pros

PayPal has been the best platform for me to use. I really love that I can pay for orders directly through it without needing to transfer money into my bank account first.

Cons

Where it gets frustrating in South Africa is that it can only be linked to FNB which feels far too restrictive. A lot of people use other banks and if you actually want to withdraw money, you have to go to an FNB branch. For some users, those branches are quite far away.

“Simple to navigate”

Pros

It has been a dependable and convenient option for making online payments. It provides strong security, fast transactions and an interface that's simple to navigate. It works really well for both online shopping and selling.

Cons

On the downside, PayPal can charge high fees for international transactions, disputes are sometimes hard to settle and accounts may get frozen without warning. On top of that, customer support can be slow to respond when an issue comes up.

“Easy to look up charges”

Pros

Almost every vendor accepts it and it feels very secure. It's also simple to use and makes it convenient to look up charges.

Cons

Whenever there's a problem with the account, the security checks are very strict. That's good for protection but it can be frustrating if you end up locked out.

“Useful app, frustrating account holds”

Pros

I really enjoy the platform itself. The mobile app is simple to use and I appreciate being able to buy and sell Bitcoin, link multiple debit cards in one place and earn cash back and rewards from different merchants, along with several other features to choose from.

Cons

My biggest frustration is how extreme their process is for keeping your account verified, authenticated and protected because it can end up limiting your ability to access or move the money in your account. They may also place a hold on your account for months if they think you are selling an item through the platform which leaves you unable to use your funds until the hold is finally removed.

“Convenient payments every time”

Pros

Sending and receiving money with this app is really convenient and I also use it a lot for online shopping since I don't have to keep entering or remembering my bank or card details.

Cons

Honestly I don't have any complaints. It works so well that I prefer it over most other payment apps.

“payments feel protected”

Pros

I really like that my payments feel protected and insured which gives me a lot of peace of mind.

Cons

It doesn't allow me to use my Payoneer credit card.

“worst support”

Pros

Using it is simple even though dealing with customer service is a terrible experience.

Cons

Customer support feels cold, generic, unhelpful and lacking any real consideration.

“Branded invoices”

Pros

Appreciate being able to send branded invoices to clients directly through the app.

Cons

The part that bothers me is the fees they deduct from payments received for services I've provided.

“Monitors transactions”

Pros

found it user friendly and keeping an eye on transactions is simple too.

Cons

Its annoying how many overseas sellers on social media seem to be able to use it, while fixing an issue or returning an item is much harder when something goes wrong. They often take advantage of the expensive shipping and tracking costs for returns so the buyer protection doesn't really feel cost-effective.

“Ease of use”

Pros

Pretty easy to use and I get my money quickly while still feeling that everything stays secure.

Cons

At times the fees can be pretty high which gets a bit frustrating.

“Reliable payments worldwide”

Pros

Its simple to operate and dependable and having access to international transactions makes it even more useful.

Cons

Using a virtual card can sometimes lead to the account being shut down.

“People trust it”

Pros

It is simple and it's a platform people trust worldwide.

Cons

Unpaid balances can end up being sent to collections.

“transfers happen in minutes”

Pros

Payments feel secure and safe and the supplier usually gets the money within a few minutes.

Cons

The fees are a bit on the high side and we also lose some money on the currency conversion.

“Can't complain”

Pros

Whether I'm paying a customer privately or shopping online, it gives me peace of mind every time. I can make payments, create invoices for clients and send or receive money from friends and family without any hassle. It's a really dependable option for doing business worldwide.

Cons

Honestly there's very little to complain about with PayPal. They've been punctual and reliable and payments arrive on time. I also appreciate how clearly they show every detail and transaction which makes sending and receiving money much more reassuring.

“Quick payments with protection”

Pros

Paying through it is fast and simple and it gives extra reassurance with payment protection in case something goes wrong.

Cons

When it comes to receiving payments, the hold time on funds and the percentage fee taken are frustrating. I'd really like to see one of those removed or at least reduced.

“fair fees”

Pros

What I appreciate most are the payment options it offers and the fees which feel reasonable.

Cons

The part I like least is transferring money to an e-wallet.

“Avoid it!”

Pros

At least the logo looks nice and the app itself appears fine visually.

Cons

Right away, the problem came when I used it to pay a travel agent for a flight ticket. PayPal did not process the payment and instead put it on hold for review, then later said they would issue a refund. It has already been four days and I still have not received my money. Now they are telling me I may need to wait two weeks. After going through this, I would strongly suggest avoiding payments through it. If a merchant does not provide another payment option, it may be better not to complete the purchase.

“powerful security features”

Pros

One thing I really appreciate about PayPal is the strong security it offers, along with how quickly transactions go through. It's also very convenient for sending and receiving money and I like that I can make payments even without having money sitting in my balance.

Cons

Customer service and overall support could be much better. I'd also like transfers between PayPal accounts to take less than a day and it would be a big improvement if users could add bank accounts from outside the United States.

“Easy process”

Pros

With just a couple of clicks, I can pay rent or send money to friends and family without any issues. The platform is very simple to use and the security feels much stronger than what I've seen with other mobile banking apps.

Cons

I honestly don't have any complaints about it.

“Versatile payments and recurring billing”

Pros

Using it has been really convenient because it's simple to work with whether I'm online or using the mobile app. It runs well on both Android and iOS and handling recurring payments is simple, including canceling them whenever needed. It also works with all my cards so sending or receiving money is usually hassle-free.

Cons

I'm generally fine with the service fees but whenever they get too high, that definitely feels like a downside.