PayPal Review 2023 : Widely Used International and Domestic Payments App

PayPal is ranked as one of the top ten POS systems for 2022. It also ranks among our top ten credit card processing platforms (although it ranked higher for POS systems). PayPal enables small business owners to accept payments through a trusted platform.

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How does PayPal operate and what is it?

With a great selection of features, PayPal is a user-friendly payments app. Sending money to loved ones or paying for goods and services is simple with PayPal. After creating an account, you can manage your transactions through the app or a web browser.

Anyone with a PayPal account can send, receive, or request money from you. Any of the following data is required:

  • PayPal username
  • Mobile phone number
  • Email address
  • PayPal.Me link (your personal payment link)
  • Personal QR code

The QR functionality and PayPal.Me link reduce the possibility of someone entering your information incorrectly since they only need to click or scan.

You can split expenses with your friends using the PayPal app and keep track of your spending. This app is simple to use both in your personal and professional life. It's important to remember that there are fees associated with using some PayPal features, which we'll discuss below.

Top benefits

Here are some of the PayPal app's highlights in more detail.

Simple to use

No matter how tech-savvy you are, using PayPal shouldn't be difficult. It is easy to navigate PayPal's interface because it is clean and well-organized. The app is accessible on tablets and mobile phones running iOS and Android.

The bill-splitting function in the payment app is called Money Pool. You can raise money from numerous friends to pay for shared expenses or to make a charitable donation. Therefore, you won't have to worry about splitting the check when you go out.

popular payments app

A well-liked and respected personal finance app is PayPal. It's likely that the person you need to send money to, whether domestically or abroad, has a PayPal account.

It is accepted as a form of payment in millions of shops. Many of your favorite stores, including eBay, Apple, GNC, Target, Overstock, and The Home Depot, accept PayPal as payment. Even your store loyalty cards can be stored by PayPal within the app so you can earn rewards for your purchases.

Finally, PayPal makes it simple to raise money for charity or make a donation. Money donated through its Giving Fund page won't be subject to any fees or deductions.

supports the transfer of money internationally

In more than 200 nations and regions, PayPal is accessible if you need to send money abroad. Make sure you are familiar with the costs. Additionally, if you frequently transfer money abroad, it pays to shop around for the best price.

Additionally, you can use your PayPal account to hold different currencies, send and receive payments in different currencies, convert your PayPal balance to a different one, and transfer your balance in any currency.


An app for making payments that is safe and secure is PayPal. When you pay with PayPal, your financial information is kept private. Additionally, you are protected by PayPal's protection guidelines when buying or selling online. PayPal will refund your money if you don't get the item you ordered.

various payment options

PayPal payments can be made in a variety of ways. Your bank account, debit card, credit card, or PayPal balance can all be used to fund payments. Be mindful that some payment options, like credit cards, incur charges.

What could be done better

No payment application has ever been perfect. Here are the areas where PayPal, in our opinion, needs to make the most improvements.

PayPal charges may add up.

You must pay fees for specific PayPal transactions, just like with many other payment apps. PayPal's costs are comparable to those of other apps. And some things, like using your PayPal or bank account to send money domestically to friends and family, may be free. You will be charged if you send money overseas or pay someone with a credit card.

Transfers might take some time.

You can choose between a free transfer, which can take one to five business days, and a paid instant transfer when you want to transfer money from your PayPal account to your bank account. There is no guarantee that the free transfer will be processed in a single business day. You will have to pay 1% more if you require the money right away. A debit card transfer, where you enter your card information rather than bank account information, may take up to 30 minutes to complete. Instant transfers typically arrive in minutes.

Some users might be subject to sending cap

PayPal does impose restrictions on unverified users. You won't experience any issues if you have a verified account, which calls for you to confirm your banking or credit card information.

You are only able to send so much money if you are not verified. Depending on your currency, you might be limited to a maximum of $60,000 and a transaction limit of $10,000. In your account, you can see your limits. It's probably not necessary for most people to send more than $10,000 all at once, but it's something to consider.

frequent targets of phishing

Unfortunately, because PayPal is a widely used app, phishing scams frequently target it. You might receive bogus emails that appear to be from PayPal and contain phishing links. When clicking any PayPal link or email, keep this in mind. You must make sure that only official links are clicked.

Alternatives to think about

If you're looking for an app without any fees, Zelle is a fee-free substitute. Money can be quickly and easily transferred from one bank account to another. You only need the person's phone number or email address. One thing to keep in mind is that Zelle does not support credit card payments. If you want the freedom to use both your bank account and credit cards, you might want to stick with PayPal.

Venmo is an alternative app that deposits money into your account more quickly if you want one with faster bank transfers. If you frequently send little amounts of cash to friends and family in the United States, Venmo is a good option because it has a more social feel. If you don't pay extra for an instant transfer, Venmo can take one to three days to transfer money to your bank. Bank transfers through PayPal can take up to five days. But if you also want to send money abroad, you might want to stick with PayPal.

How much will it cost?

Money transfers from a debit card, bank account, or PayPal balance to friends and family are cost-free. Otherwise, certain actions have fees attached to them. These costs were previously discussed in our review.

International and domestic fees




PayPal balance, bank account, or Amex Send account



Credit card

2.9% + $0.30

5% + fixed fee ($0.99 minimum, $4.99 maximum)

If you use an Amex credit card through an Amex Send account, you can make domestic payments without paying any fees. When making international payments using Amex Send, fees still apply.

removing funds from PayPal





Local bank account

No fee



Instant bank account transfer

1.5% of transfer amount



Instant transfer to cards




Paper check mailed to you




QR Code payment receipts




Transactions above $10

1.9% + $0.10

1.9% + fixed fee + 1.5%

Transactions of $10 and below

2.4% + $0.05

2.4% + fixed fee + 1.5%

Using an Amex card will allow you to avoid the extra 1.5% charge for international QR code payments.

Note that fixed fees vary depending on the currency and are higher for commercial QR code payments. For complete information, visit the PayPal website.

Who this app is ideal for

Anyone looking for a safe, user-friendly platform for either personal or professional use should consider this app. People who want to make both domestic and foreign payments frequently use it. This widely used payment option is accepted by many reputable retailers.

You can't go wrong if you decide to use this payment app as your primary method of sending or receiving money.

How To Use Paypal Premium Account Free

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