PayPal Here Review

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Consumer Reviews
Customer Support

Best for

PayPal Here is best for small businesses with varying risk profiles catering to small and mid-sized companies.

Specializes in

PayPal Here is a mobile payment app offered by parent company Paypal, Inc. The app caters to small businesses, and as the parent company, Paypal Here offers a flat-rate pricing structure. Paypal Here is a foray into a growingly thriving industry of mobile payment processing by parent company Paypal. The offering is accompanied by a mobile card reader that can either plug into mobile devices or connect with them via Bluetooth and seamlessly sync with a traditional Paypal account. PayPal Here offers self-branded mobile card readers free of cost. It also provides a more versatile card reader with Bluetooth and NFC functionality at a price.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: 2.7%

Keyed-in Rate: 3.5% + $0.15

Early Termination Fee : $0

Contract Terms:

Visit PayPal Here

With global operations, PayPal uses numerous acquiring banks that differ from country to country.

Paypal was established in 1998 by a group of innovators in San Jose, California, and is currently led by CEO Daniel Schulman. In 2012, the company introduced Paypal Here as a smartphone-based mobile payment system accompanied by a small card-reader geared towards small businesses.

PayPal Here Overview


Luke Nosek, Max Levchin, and Peter Thiel originally founded Confinity in 1998 in San Jose, California. In 2000, with a merger with its biggest competitor, Elon Musk's, PayPal was formed. The company introduced PayPal Here, a smartphone-based app in 2012 for small businesses with a free mobile card reader. 

PayPal Here offers its services mainly to small businesses with a flat-rate pricing structure without setup or early termination fees. The company includes PCI compliance without additional costs.

PayPal, the parent company, is accredited with the Better Business Bureau (BBB) in 2001 and has a B rating. Although the company has a high complaints volume filed against it with the BBB, it is one of the world's largest payment providers.

Quick Facts

Head Quarters

San Jose, CA

Year Founded



Daniel Schulman



Merchant Provider Risk Tolerance

What We Like

Easy-to-use interface

Extensive device compatibility

In-app invoicing available

Free sub-user accounts

Predictable flat-rate pricing

Ideal for low-volume merchants

Chip-card-compatible hardware

Time-tested and trusted by consumers

What We Don't Like

Account stability issues

Inconsistent customer support

Not suitable for high-risk industries

Not ideal for higher-volume merchants

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Low Risk
  • Mobile
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

PayPal Here Products & Services


Payment Services

Paypal Here: A smartphone app-based mobile payment system for on-the-go payment processing for small businesses within various industries. The payment system lets companies accept credit and debit cards, record cash and check transactions, and process payments via Paypal and Venmo QR codes, Apple Pay, and Google Pay.

Mobile Card Readers

Chip and Swipe: This is the free card reader available for businesses that can accept magnetic stripe cards and chip cards.

Chip and Tap: Lets businesses accept magstripe cards and chip cards and process touch-free payments via Apple Pay and Google Pay.


Business Operations: Lets businesses setup customized receipts, individual employee profiles to accept payments, manage products, track inventory, process sales tax, and run sales reports by-products, time series, and staff.

Financial Integration: Syncs directly with traditional Business Paypal account and lets merchants immediately transfer payments to that account (dependent on risk profiles). Merchants can also deposit the funds into checking accounts or debit cards linked to their Paypal accounts.

PayPal Here Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Mobile Payments App
  • Online Payments
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

PayPal Here Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

PayPal Here Advertising & Sales


PayPal Here sales and marketing efforts are very transparent. The company hires inside sales teams only. As a very high-profile consumer company with a global consumer footprint, PayPal is very mindful of offering transparent and factful marketing about PayPal Here.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayPal Here Pricing, Rates & Fees


PayPal Here has a simple flat-rate pricing structure for all businesses.

Swiped rate: 2.7%

QR rate: 2.7%

Keyed rate: 3.5% + $0.15

Invoice rate – 2.9% + $0.30

PCI Compliance Fee: None

Annual Fee: None

Early Termination Fee: None

Monthly Minimum: None

Mobile Card Readers

Chip and Swipe: Free

Chip and Tap: $79.99

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate


Keyed-in Rate

3.5% + $0.15

Mobile Payment Rate

3.5% + $0.15

Virtual Terminal Rate

2.9% + $0.30

Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

Not Applicable

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

PayPal Here Contract & Terms

PayPal Here is very transparent regarding both the company's pricing and contract terms. The company offers flat-rate pricing and does not charge any up-front startup or early termination fees.

The company does not lease equipment, and it provides its self-branded mobile card reader for free. A more advanced version with touch-free payment functionality is offered at $79.99.

Contract Length


Early Termination Fee


PayPal Here Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

PayPal Here Complaints, Ratings & Reviews

PayPal, Inc. have been accredited with the Better Business Bureau since August 2001 and is currently showing a grade of “B" with 13,447 complaints in the last 36 months. PayPal, Inc. resolved 7,329 complaints to the satisfaction of the merchant, while the remaining 6,118 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.



B(13,447 complaints)






1 Star / 1 Review


Total Online Reviews


Total Online Complaints




PayPal Here Alternatives


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