PayPal

• No Hidden Fees
• Personal and Business Services
• Buyer/Seller Protection and Security 
• Refund Policy

No Hidden Fees

PayPal doesn't seem to have any hidden fees. All the costs are provided on its website, outlining the difference for pay-as-you-go and the monthly plan. Hidden fees are actually one of the most common reasons for negative merchant services reviews; so PayPal's lack of hidden fees is definetely a plus for people looking for a transparent payment processor. 

Personal and Business Services

A major benefit of PayPal as your payment solutions company is personal options are available in addition to business options for merchants. For personal use, you can use PayPal's services for free with any shopping platform that accepts PayPal, which the majority of companies do. This makes your credit card and debit card transactions significantly more secure because the money is processed through your PayPal account rather than your bank account. PayPal also has additional fraud detection to keep your information secure. Personal use of PayPal can also include sending money to friends and family easily without having to bother with withdrawing cash or writing a check. It makes money transfers simpler and completely free.

PayPal also has extensive options for business owners. The company allows merchants to get paid on their website, their business app, in their business, or on-the-go. Additionally, PayPal works for email and over-the-phone transactions. Businesses that use PayPal can accept credit cards and debit cards, PayPal, Apple Pay, PayPal Credit, and other forms of payment. The company also serves as a financial institution because it provides small business loans for merchants. 

With several options for personal use as well as business use, PayPal is a simple and affordable payment processing company.

Protection and Security

The company advertises on its website that it provides both buyer and seller protection and security services. These services for buyers and sellers include the following:

• Personal data privacy
• 24/7 monitoring
• Secure technology
• Fraud prevention/ merchant fraud prevention
• Dispute resolution
• Global buyer protection/ global transactions

Refund Policy

On its website, PayPal claims to provide a full refund, including the cost of original shipping, if consumers' orders fail to arrive or if their orders do not match the description of their original purchase.

• Customer Complaints

Customer Complaints

PayPal has recieved quite a few negative payment processing services reviews. The highest number of complaints (over 2,300) stemmed from problems with the products and services. The second highest group of complaints (over 1,500) were about advertising and sales issues.