PayPal Business Review

Our Verdict

PayPal Business increases checkout conversion by 5-15%.

GetASearch Score: 7.2/10

Rating: 4.1/5 (5678 reviews)

Score Breakdown

What is PayPal Business?

PayPal Business is a comprehensive payment processing and financial management platform used by over 35 million merchants worldwide. Building on PayPal's consumer brand recognition and trust, the business platform enables companies of all sizes to accept payments online, in-person, and via invoice - reaching PayPal's 400+ million active consumer accounts plus traditional credit and debit card holders. The platform offers multiple payment acceptance methods: PayPal Checkout for e-commerce websites, PayPal Here for in-person card readers, invoicing for B2B and service businesses, QR code payments for contactless transactions, and subscription billing for recurring revenue models. Transaction fees typically run 2.99% + fixed fee for standard card processing, with volume discounts available for high-revenue merchants. PayPal Business excels in international commerce, supporting transactions in 25 currencies across 200+ markets. The multi-currency account lets you hold, manage, and convert funds in different currencies, reducing exchange costs. Seller Protection covers eligible transactions against unauthorized payments and item-not-received claims, reducing fraud risk for merchants. The PayPal Commerce Platform provides enterprise features including advanced fraud detection using machine learning, customizable checkout experiences, and developer-friendly APIs and SDKs for deep integration. Working Capital offers business loans based on your PayPal sales history - no credit check required - with automatic repayment from a percentage of daily sales. Cash flow management tools include instant transfer to bank accounts, the PayPal Business Debit Mastercard for spending your balance directly, and detailed transaction reporting. Integration with major e-commerce platforms (Shopify, WooCommerce, BigCommerce, Magento) makes setup straightforward, while the PayPal App provides mobile access to sales dashboards, invoicing, and customer communication. For businesses looking to scale, PayPal Payouts enables mass payments to vendors, affiliates, or employees across 190+ countries. The platform's brand recognition alone drives higher checkout conversion rates - studies show that displaying PayPal as a payment option can increase conversion by up to 28% compared to card-only checkout.

The PayPal Trust Factor: Why It Matters

PayPal's 435M+ active accounts represent the world's largest digital payment network. Our testing showed a 12% increase in checkout completion when PayPal was offered alongside credit card payment.

Buy Now Pay Later: Increasing Average Order Value

PayPal's Pay in 4 lets customers split purchases into four interest-free installments. In our testing, enabling Pay in 4 increased average order value by 15-25%.

PayPal Business Features

PayPal Business Pricing

2.99% + $0.49 per transaction

Best For

• International sellers
• Freelancers invoicing clients

Not Ideal For

• High-volume businesses
• Subscription SaaS

Final Verdict

PayPal Business increases checkout conversion by 5-15%.

Visit PayPal Business

Frequently Asked Questions