PayPal was founded in 1998 and has grown to become one of the most recognizable e-commerce companies. As of this writing PayPal is owned by eBay but soon they will be divided into two independent companies. In 2014 PayPal's revenue was $7.9 billion. Paypal is a global company that allows users to get paid in more than 100 currencies.


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$0 or $19.95

The Good

  • Setup
  • Pricing
  • Access to funds

In order to start using the PayPal Here mobile credit card reader you need a PayPal Business or Premier account but once that is set up getting started is only a matter of receiving the reader in the mail for free and then downloading the app. Once all of that is done you are set to start processing.

Paypal has comparable prices and the design of the actual reader makes processing easier than trying to swipe a card through a flimsy reader. When you have to swipe a card more than once customers get uneasy and might think that you are charging them twice. Having a stable reader that only needs one swipe mitigates that problem and helps you to grow your business faster.

Users also have access to their funds almost instantly. Anybody running a business would find that feature extremely useful but on top of that PayPal has their own debit card which allows you to use your money and get 1% cash back on signed purchases.

The Bad

  • Swipe fees

The swipe fees for PayPal Here are slightly higher than other companies but they offer certain features that other companies do not so using PayPal Here is a tradeoff. The reader works great for small businesses but it works better for small businesses that are growing and anticipate doing a high volume of credit card transaction each month.

The Bottom Line

PayPal Here has proven that they are not just trying to keep up with the competition. They’re mobile reader comes with features that make them a formidable force in the mobile reader world. No long term commitments are needed to start using PayPal Here and they have live customer support which makes it easier for you to figure out how to most effectively use your reader.

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    October 14th, 2016 Edited

    PayPal has great customer service and is security conscious.

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