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Platform B

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PayPal BusinessGet Paid & Manage Money

STOA rating

7.9 / 10

Openness

OPENNESS 8/10API 3/3 · Export 3/3 · Contract 0/2 · Integrations 2/2

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API

PayPal documents REST APIs for orders, payments, subscriptions, invoicing and disputes, and going live needs a PayPal Business account. developer.paypal.com, checked 29 Sept 2026 (opens in a new tab)

Your data

You can self-serve download a report of your transaction activity going back up to seven years, in PDF, Quicken, QuickBooks, CSV, or TAB format. paypal.com, checked 29 Sept 2026 (opens in a new tab)

Connections

PayPal has a listed integration on Zapier. zapier.com, checked 29 Sept 2026 (opens in a new tab)

PayPal runs its own Partner Directory of third-party integrations for its business accounts. paypal.com, checked 29 Sept 2026 (opens in a new tab)

Openness note

REST APIs with a Business account. Self-serve transaction export back 7 years. Listed on Zapier and its own Partner Directory.

What it does

PayPal Business is a great fit for small online sellers, freelancers, and service businesses that want a fast, trusted way to get paid. You can accept credit cards, debit cards, PayPal, Venmo, and Pay Later options all from one account. There are no monthly fees to get started — you only pay a small fee per transaction. It connects with most major eCommerce platforms and lets you send invoices, issue refunds, and pay out to others too.

Strengths

No monthly fee to get started
Trusted brand that customers recognize and feel safe using
Works with most major eCommerce platforms out of the box
Supports international payments in 140 currencies
Built-in invoicing and payment links require no coding

Weaknesses

Per-transaction fees can get expensive at higher sales volumes
Customer support has a reputation for slow response times
Account holds and freezes are a known issue for some sellers
Not ideal as a standalone point-of-sale solution for brick-and-mortar shops

Key features

Accept payments online via credit card, debit card, PayPal, Venmo, and Pay Later
Send invoices and payment links without writing any code
Access a network of millions of active PayPal and Venmo accounts
Accept payments from customers in 200+ countries in 140 currencies
Built-in seller protection and fraud risk tools
Reporting and insights dashboard to track your sales and payouts

STOA verdict

PayPal Business is a solid pick for any small business that sells online and wants a payment tool customers already know and trust. The biggest pro is zero monthly fees and instant access to a huge base of buyers — the biggest con is that transaction fees (typically 3.49% + $0.49 for standard card transactions) can add up fast if your volume is high. If you do a lot of in-person sales, a dedicated point-of-sale tool like Square may serve you better.