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Merchant Account Reviews Rating: Star1 Star2 Star3 Star4 Star5



Product Description

PayPal is by far one of the most widely known credit card payment processors. In addition to its popularity, the company is known for its security, low costs, and simplicity.

PayPal is an industry-leading credit card payment processor. The company currently has over 150 million accounts - one in three online buyers in the US have a PayPal account.

With a PayPal account, you will be able to receive credit card payments instantly. As an added bonus, you can even integrate your PayPal account with your e-commerce business for the added convenience of your customers.

The features of a PayPal Business Account include the following: low costs, straightforward setup, and security.

Visit the Official Website of PayPal

Product Research

The Price:

  • Startup Cost: Free
  • Monthly Costs (dependent on monthly sales):
    • $0.00 - $3,000.00 = 2.9% + $0.30
    • $3,000.01 - $10,000.00 = 2.5% + $0.30
    • $10,000.01 - $100,000.00 = 2.2% + $0.30
    • > $100,000.00 = 1.9% + $0.30


No startup fees, no monthly fees
No cancellation fees
No processing equipment needed
60-70% lower fraud rates than other merchant accounts
Large network of buyers


"I have a paypal business account. Great thing is that there is no charge to open one. they only take their money when transactions are made.To get your money, you either request a wire transfer (free) or request a check (charge) or other means. I always use the wire transfer and never had a problem. paypal rules."

Actual user feedback from

"paypal is definitely a must for business owners simply because almost everyone has a paypal account. if you have an online business, you wont survive without having a paypal business account. Trust me."
Actual user feedback from


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Accuracy Disclosure: has not directly tested this product, but has conducted research into the alleged results of other users who claim to have used the product. The accuracy of both the publisher's research and alleged user results cannot be guaranteed.
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March 31, 2011, 10:53 am
Rating: Star1 Star2 Star3 Star4 Star5
Paypal keeps 20% of your money for 60 days before they release it. Paypal tells you they will review it in 6 months and take this away. Everytime paypal reviews my account paypal will not take away the 20% for 60 days requirement. I use it very rarely.
September 10, 2011, 3:45 am
Rating: Star1 Star2 Star3 Star4 Star5
Paypal keeps 30% of MY MONEY FOR 90 days!!! What a ripoff!!!
December 6, 2011, 12:11 am
Rating: Star1 Star2 Star3 Star4 Star5
It took me 3 years to get my credit refunded from the merchant, because Paypal kept my refund, I have to do my own investigations what happened to my ordered merchandise.
February 24, 2022, 9:20 am
Rating: Star1 Star2 Star3 Star4 Star5
Paypal is a ripoff! They keep 20% of my revenue for 90 days. I thought it was temporary, but learned today that it is permanent for every invoice. Paypal stated that the rolling reserve requirement was based on my credit score, but would not tell me what the qualifications were or reveal my credit score. I have $5000 in my account that I cannot access for 90 days. I have no credit issues and maintain a score above 650, retailers beware of using paypal.
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