PayPal Here Review

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  • Updated on:
  • Review by: Tom DeSimone

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Date Established
1998
Location
San Jose, CA

Overview:

NOTE: PayPal Here is not currently available for Canadian merchants, although a small pilot program was launched in Canada. We’ve received a lot of inquires about this, and will post an update if we hear about any upcoming changes from PayPal.

If you’ve used eBay, chances are you’ve used PayPal. And if you haven’t used eBay – you probably don’t own a computer.

Seriously though, PayPal has 110 million active accounts. Need a point of comparison? There are only about 230 million adults in the entire United States. Needless to say, they’ve made a name for themselves in the processing industry. We already reviewed PayPal as a merchant service provider (4 stars), so a lot of that information also pertains to their PayPal Here mobile processing service.

PayPal Here (PPH) launched in 2012, after services like Square and PayAnywhere demonstrated that pay-as-you-go, standalone mobile payment processing accounts were in high demand. With brand recognition as big as PayPal, they had their work cut out them.

While you’ll need a PayPal Business or Premier account to use PPH, the upgrade from a personal account comes free of charge and will occur automatically as part of the sign up process. After that, you just download the app and then, presto – you can start processing. They’ll mail your free card reader to you, or you can pick one up at participating stores (including Staples) for $15, and PayPal will reimburse you for the purchase. It couldn’t be any easier, and the whole thing comes with no strings attached. You won’t have to return the card reader if you decide to cancel, nor will you have to pay any cancellation fees.

Bottom line, I’d definitely recommend PayPal Here over Square. Heck, I’d also recommend it over PayAnywhere. PPH has better features, comparable pricing, and I believe it offers an overall superior experience when compared to any of the standalone mobile processing providers we’d reviewed on Merchant Maverick to date. I love the almost instantaneous funding to my PayPal account alongside the PayPal debit card for quick access to the cash. The card reader has a very usable, stable design, which is more than we can say about the boxy Square swiper. Being able to use image capture to deposit checks as well as for automatic “keyed-entry” card payments also makes life easier.

A lot of people out there have had bad experience with PayPal (as you might expect, with 110,000,000 active accounts), but I honestly believe they offer good quality service overall, and especially as a standalone mobile payment processor. I’m not sure I’d be ready to take the leap and have PayPal Here as my only way to accept payment, especially for higher volume businesses – but then again, you don’t have to. It costs you nothing to keep PPH as an option on top of a traditional merchant account. Or, if you’re feeling brave, take the leap and use it as your sole processing option. For merchants who process low or sporadic volumes, it could save you a ton of money in fees (no statement fee, no monthly minimum, no PCI fee, no annual fee, no rate increases…). You do the math.

I’m completely comfortable giving PayPal Here 4 stars for now, and I hope that they continue to improve.

Check out the full review for more information, and please leave a comment with your thoughts or experiences!

Products and Services:

PayPal Here offers all of the basic features you’d expect, plus some nice surprises:

  • Mobile credit and debit processing
  • Free mobile app
  • Free audio jack swiper: Need it right away? Buy one at a local store for $15 and PayPal will reimburse you. Otherwise they’ll mail you one for free.
  • Card processing with phone camera
  • Check processing with phone camera
  • Manage multiple users under one account
  • Mobile POS: Offered via PayPal’s mPOS software.
  • Same-day funding: Funds go to your PayPal account almost immediately. Sign up for a PayPal merchant debit card and get access to the cash right away.

Compatible Hardware:

Here’s some information taken directly from PayPal Here’s FAQ:

Apple iOS

PayPal Here is supported on most Apple mobile devices running iOS version 5.0 and above.
The following devices are compatible and supported:

  • iPhone 3GS
  • iPhone 4
  • iPhone 4S
  • iPhone 5
  • iPod Touch
  • iPad (all models)
  • iPad mini

Android

In order to run PayPal Here, an Android device must include the following specifications:

  • Android version 2.3.3 (Gingerbread) or higher
  • 3.5 mm headset jack with microphone
  • Support for Location Services
  • Access to the internet (via WiFi or cellular data network)

PayPal Here is not compatible with all Android devices. Please download the app on your phone to determine if your device is compatible. At this time, PayPal Here is not supported on Android tablets.

Fees and Rates:

To use PayPal Here, you’ll need a PayPal Business or Premier account. Entry level business accounts have no monthly fees. If you need website integration and other features, see this page.

All fees and rates are plainly disclosed in PayPal’s advertisements, except for their $25 chargeback fee.

  • Swiped Transactions – 2.7%
  • Keyed Transactions and Scanned Transactions – 3.5% + $0.15
  • PayPal Transactions – 2.7%
  • Check Capture – No Fee
  • Cross-Border Transactions, Swiped and PayPal – 3.7%
  • Cross-Border Transactions, Keyed and Scanned – 4.5% + $.15

You’ll also be responsible for a $25 chargeback fee if one occurs. Learn how to prevent chargebacks here.

You won’t see any:

  • Monthly/annual fees
  • PCI compliance fees
  • Set up fees
  • Equipment fees

…or any other fees not mentioned above. There really are no hidden fees with PPH.

You should also be aware of their processing limits for keyed-in/scanned payments:

If you process more than $2500 in Keyed Transactions and/or Scanned Transactions in any rolling 7 Day period, PayPal may delay the availability of funds in excess of $2500 for a 30 Day period. After 30 Days these reserved amounts will be available to you.

So you can continue to process over this limit, but you’ll probably have to wait for a while to have access to those funds. If you swipe, however, you should be okay.

For a comprehensive list of all PayPal fees, both for mobile processing at everything else, check out this useful page.

Contract Length and Early Termination Fee:

You are completely free to close your PayPal Here account at any time, or to simply cease using the PPH app for processing and keep your PayPal account. You won’t find any early termination fees or stipulations in your merchant agreement. Considering the industry standard is a three-year agreement with a $400 early termination fee, I’m pretty satisfied with PayPal in this category.

Check out the full PPH user agreement here. You should also read the standard PayPal user agreement here, since you’ll have to agree to it in order to use their mobile service.

Sales and Advertising Transparency:

As we said in our main PayPal review, their sales and advertising are very up front. All of their rates are listed in plain sight, so there’s no hidden agenda. Most of their business comes directly through their own website or via referrals. They don’t have the traditional sales team “pounding-the-pavement” and harassing potential customers. This is the way business should be done in my opinion. They’ve managed to solve a problem so well that they don’t need to shove it down your throat.

I couldn’t ask for anything more from PayPal Here advertising, except maybe more overt disclosure of the $25 chargeback fee. It would be nice to see their $2,500 weekly processing limit for scanned/keyed-in transactions disclosed more plainly as well. (No limit on swipes, however.)

Customer Service and Technical Support:

For PayPal Here, you’ll be using PayPal’s main support system. As we covered in our main PayPal merchant service review, PayPal has bunch of different customer service and support options including:

  • Quick Answers
  • Community Forum
  • Knowledgebase
  • Phone/Email – (Mon – Fri 4:00 AM – 10:00 PM PST. Sat/Sun 6:00 AM – 8:00 PM PST). Judging from the online chatter (see “Negative Reviews and Complaints”), PayPal’s phone support is very inconsistent. Sometimes you’ll get a rep that knows what they’re doing, other times you won’t. My advice is to avoid calling them if at all possible. Answers to most common problems can be found with just a little bit of searching. Between the knowledgebase, community forum, and quick answers sections, you should be able to find a solution.

They’re also very active on social media sites like Twitter and Facebook. They even have an AskPaypal Twitter account where they’ll field your service and support questions Monday through Friday, 9:00 AM to 5:00 PM Central Time.

The almost non-existent customer service offered by Square is one of the major complaints coming from their merchants, so I’m thrilled to see PayPal providing better service in this department.

Negative Reviews and Complaints:

Unfortunately, PayPal doesn’t have a separate BBB account for their PayPal Here processing, so we’re stuck wading through the 6,089 complaints filed in the last three years on PayPal’s main account (they’ve got an A+ rating though, if that means anything to you).

That’s an enormous number of complaints, no doubt about it. But when you actually start reading the complaints and PayPal’s responses, you’ll be impressed. PayPal responds to each concern in a very professional and complete manner, almost always giving refunds even when they don’t have any obligation to.

The one complaint that you should definitely take to heart is this:

  • Withheld funds, freezing of accounts, and termination of accounts:  PayPal seems to be pretty trigger happy when it comes to suspicion of fraud. They have a history of dealing with major fraud issues, so naturally they scrutinize accounts pretty closely. If you think that your business falls into the high-risk category, then you should know that it’s possible PayPal may withhold some of your funds or even freeze or shut your account down. It may be best to go with a high-risk processor like Durango Merchant Services instead. You can also learn how to avoid holds, freezes, and terminations here.

Still, they seem to do this less than Square does. I don’t know how comfortable I’d be having any of these standalone mobile processors as my sole means to accept cards, since they all are prone to freezes and withheld funds because of a greater risk of fraud.

Another concern:

  • Inconsistent phone-based customer service: Most merchants will rarely have to call in to PayPal’s customer service line, but those that have done so complain that the quality of service can be inconsistent. Some reps are obviously more knowledgeable than others. The good thing is that PayPal has a whole slew of other service and support options (knowledgebase, forum, email, etc.), so chances are you can find your answer without having to call in.

But again, Square doesn’t offer any phone-based support. So if you are comparing the two, PayPal definitely comes out on top.

Positive Reviews and Testimonials:

You can find a demo video with users saying nice things about the service. News outlets have also praised PayPal Here, including David Pogue’s NY Times tech blog.

From what I read, users find these features the most useful:

  • Quick funding and access to cash with PayPal debit card
  • Well-designed card reader
  • Free check processing capabilities
  • Ability to accept payments through PayPal accounts
  • No hidden fees

Final Verdict:

I recommend PayPal Here to anyone interested in standalone, pay as you go mobile processing. While it has some shortcomings when compared to traditional merchant account providers, PPH out-performs other mobile processor in my opinion, with better features, comparable pricing, and overall superior user experience. I love the quick funding to my PayPal account alongside the PayPal debit card for quick access to the cash. The card reader has a very usable, stable design, and being able to use image capture to deposit checks as well as for automatic “keyed-entry” card payments also makes life easier.

I’m completely comfortable giving PayPal Here a solid 4 stars rating making it our best mobile payment processing service to date! They still have to stand up to the test of time, though, and I’m eager to heat user experiences. Please leave a comment!

Tom DeSimone

Tom DeSimone

Tom loves asking tough questions and getting straight answers, so he has a lot of fun calling payment processors for Merchant Maverick to cut through their smoke and mirrors and find the real deals. He has run a full-time editorial business from his home in New York’s Hudson Valley since 2010 and could not imagine a better job. When not busy writing and keeping credit processors honest, Tom enjoys backpacking in the mountains.
Tom DeSimone
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55 Comments

    Lisa Davis

    Hi Tom,
    I am 3 months into opening my boutique. I use Paypal here. Here is my dilemma…on a cash sale of many items there is no way to single out an item for a return. I contacted Paypal and they have no feature for this according to the person I spoke with.
    This really causes havoc on my books, particularly if it is in a previous month.
    So you have to return the entire sale from January for example and redo sale in current month.
    Also
    There is no way to see a list of current returns in the month you have to scroll back thru all months sales to see each return.
    Please advise!
    Thanks,
    Lisa

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    Tom DeSimone

    Hi Lisa,

    The PayPal Here app is very rudimentary in terms of POS software. It has good basic features and functions well considering it has no monthly fee, but some features, especially ones related to inventory management, are just not there.

    It is very weird that some mobile apps, including PayPal Here, have no partial refund function for cash payments, when there is for card payments. Some apps actually have no cash refund option at all. Unfortunately there is no easy fix for this, except for using a different app. Have you considered using the Vend POS integration? If you only have a handful of items to sell, there is no monthly fee. Otherwise the monthly fee is still pretty low compared to alternatives. The cool thing is that they integrate with PayPal Here, so you can continue to use the PayPal processing service and card reader. While I’m 99% sure that using Vend via PayPal will allow you to do this, you should double check. Vend offers a free trial even if you end up needing their paid version.

    Other than that, the best you can do is mark it as a complete refund and then enter a new transaction, unfortunately.

    Good luck,
    Tom

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    Karen

    Tom, thanks for the helpful information! I own a hair salon and we have a merchant service account that we use for credit cards/debits in the salon (although I’m seriously thinking of changing!) We need something mobile for an upcoming festival where we will take our products and sell them. We already have a Pay Pal business account for online sales, so Pay Pal Here sounds like the perfect solution for us. Would we need to enter all of our products into the app or can we just enter the dollar amount of the sale?

    Thanks for any advice!!

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    Tom DeSimone

    Hi Karen,

    The app allows you to just type in the amount of the sale if you prefer. You can set it up so that tax is automatically added to this amount, or you can make it so that no tax is added and just the amount you type in will be charged. Adding items to the inventory is completely optional.

    Hope this helps!

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    Karen

    Thanks, Tom! It’s always helpful knowing what to expect before going into these things. And thanks for your hard work keeping all of us in the know!

    Karen

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    D

    I am thinking of opening a PPH account, but have a question. I went to an event recently & bought from a vendor who had at least 100 different kinds of items. It took awhile for her to find my item by scrolling on her phone. She said PPH had no search feature that she could use to speed up the sale. Is that true? Thank you!

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    Tom DeSimone

    Hi,

    That is fortunately not true. PayPal Here does have a search feature in-app. I just tested it again to make sure. It works well. Just click on the little magnifying glass on the main entry screen. It’s easy to find.

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    lisa

    Looking for mobile proceasing company that I can print a receipt and use with a android phone

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    Tom DeSimone

    Hi Lisa,

    PayPal Here and Spark Pay should both be able to do exactly that. Just make sure that you check for your specific phone’s compatibility before committing.

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    Judith Knight

    Hi–I hope a question is appropriate rather than a comment. I am a volunteer for a non-profit organization. We hold two consignment sales a year to raise funds for the purchase of books from the Dolly Parton Imagination Library that are sent to pre-k children in our county.

    We normally take in $5000-$7000 over 4 days in one sale; we know we could make more if we could offer credit card sales. I am trying to evaluate three services: square, paypalHere and the new Amazon local Register. My initial preference was square but there are so many bad comments about the lack of customer service; I have a personal paypal account and buy a lot from Amazon and know their customer service is outstanding.

    We do not charge sales tax and the accounting is fairly straight forward. Any comments about our choice are really appreciated!

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    Tom DeSimone

    Hi Judith,

    Since your needs are so simple, and you require reliability over bells and whistles, I’d suggest you consider Flint Mobile. While they don’t have all of the fancy features that Square has, they are extraordinarily reliable and consistent.

    My second recommendation would be PayPal Here. Their app has a few more features than the Flint app (including a great system for collecting customer contact info, which could come in handy if you end up using it to collect donations). They also will allow you to accept all major card brands, plus PayPal. (Flint only accepts Visa and MasterCard.)

    Square has actually improved quite a bit recently, so don’t let all of the negative comments scare you off completely. I don’t think you’ll really need all of the features that Square offers, though. You’re better off with a simpler application, I think.

    I’m not confident that Amazon Local Register has worked out all of the kinks in their system yet, so I wouldn’t recommend them at this point.

    Hope this helps!
    -Tom

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    Max

    Hi,
    What would you suggest for Canadian businesses? We often sell online using Square, but some customers are not happy giving (over the phone or email) us CVV and Postal Code which is Square requirement.. What could be another option?

    Max

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    Tom DeSimone

    Hi Max,

    For Canadian businesses with a low volume looking for a low cost solution, I think Square is actually your best bet.

    Note, however, that you should never have customers provide payment information via email. This is a huge security risk. Square offers a number of solutions to avoid this. Have you considered using Square Invoices to charge these customers? This would allow them to enter in their card data from their own computers. You could also set up a Square online storefront (no added charge for this or the invoices) to avoid this, depending on your business type. All these transaction go through at 2.75%.

    You should also consider that by keying-in the transaction data, you are paying at least 0.75% more per transaction than if they paid by invoice or online.

    All processors will require you to collect a postal code and CVV in order to mitigate risk. Collecting this information by phone is standard operating procedure for all businesses, so you should remind your customers of this. But if you are looking for another great Canadian option, check out Helcim.

    Hope this helps!
    -Tom

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    jim

    Tom I have written once and also called but never heard from anyone on your end…I have a store which I can sometimes do 3,000.00 in a day and up to 14,000.00 a month in credit and debit card transactions. Since I did not hear from you I went with Flint and tried it first today. It was okay but a little slow for me to use and now I know for sure that I can not use it full time because some of my workers are elderly and can not hold the phone still enough. So I want to go with one that you swipe so I would like to know which one would be best for me? I am really tired of the traditional merchants and all their fees that just happen to pop up from time to time…This last month I got a surprise 129.99 fee which hurts me a lot…My store is a one that takes commission which can be a little as 10% so it would take 1300.00 in sales just to pay this one fee and there are so many more fees on top of that one…So really I would like to try a swipe for something different.. So can you help me decide which to try…Thanks for your help
    JIM

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    Tom DeSimone

    Hi Jim,

    Sorry for the delayed reply!

    The best mobile-based option for you will probably be PayPal Here. You can use it on a smartphone or a tablet, and unlike Flint it includes receipt printer connectivity so you can offer paper receipts. I also like that it allows you to accept all of the major credit card brands, plus PayPal payments.

    Really, though, to get the best value you should consider a traditional merchant account provider. The decreased rates will more than make up for the monthly fees. I understand that expensive hidden fees are worrisome, but all of our preferred providers have been thoroughly screened to ensure you get a fair deal with no $130 fees popping up out of nowhere. You can still use a phone-based swiper even with a traditional account, or you can opt for a countertop machine. I’d recommend that you check out Helcim to start with. If that doesn’t seem like a good fit, come back and we can look at other options. I will reply promptly!

    Good luck,
    Tom

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    jim

    Tom, thanks for getting back to me. I will look at helcim but I was wondering if you have ever heard of Transnational Bankcard? They have a high rating at BBB but their online reviews are horrible. I have had a rep come in recently and promised me a ton of savings from what I am paying now and easy out of the contract if I am not satisfied. These seem to be the same promises that everyone is complaining about saying they are all lies. The rep is very persistent and almost hurt that I don’t trust him but with all bad reviews I just don’t trust him. So again I am wondering if you know about Transnational Bankcard? Should I give them a shot or run? All my business owning friends say run.

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    Tom DeSimone

    Hi Jim,

    With a company like Transnational Bankcard, it’s a crapshoot. It’s possible to get a honest sales rep who sets up a good contract for you, but it’s far from a certainty. My advice is to tell them no thank you. The sales rep you’re dealing with sounds pushy and manipulative. Giving them a shot could end up costing you hundreds of dollars and hours of headache if things don’t work out, so I wouldn’t recommend it. I’m sure the salesman seems like a nice guy, but remember that he is most likely only interested in getting you to sign the dotted line.

    Good luck,
    Tom

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    josh

    Okayy so reading through the reviews about Square, Flint, and PayPal here I’m still confused as to what I should use or what would be the best route. I sell clothing and what not which cost anywhere from $12-$40 and I have a PayPal account for the website I sell on. Would you recommend just sticking with PayPal Here or is there another option you would recommend?I just need it mainly for people who don’t have money on them and have their credit/debit cards at that point in time.

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    Tom DeSimone

    Hi Josh,

    Using PayPal Here makes sense given that you already use PayPal for your website. I’d recommend that you give their system a shot. It works well and is adaptable. If it doesn’t suit you, come back and we can figure out another option for you!

    If you find yourself consistently doing about $4K+ per month, it might be time to switch to a traditional merchant account.

    Good luck,
    Tom

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    Mike Hart

    Your content is fabulous and I would first like to thank you for providing it.

    I cannot understand something that maybe you could explain. Why is there a difference between mobile processing of payments and POS? It seems Square has essentially both….why the two categories….?

    I need three payment services on two devices for my wife and I. I need to take Credit, Debit (In all formats from scanning cards, Qcodes, NSF etc.), Checks and Cash.

    It appears from reading your site I need multiple different pieces of equipment and software.

    I Need to:
    1. Sell pottery at a remote arts and crafts show
    2. Sell pottery on my online “Store”
    3. Sell at my physical inventory location or “Gallery”…….Shouldn’t I just use my mobile payments equipment ?

    Since I have Paypal and can do both selling and buying transactions it seems to make sense that I center my needs around it.

    Any comments welcome as I try to transition from batching offline transactions on my ‘Dial-up” card reader :-) (Not kidding)

    Be well,
    Mike

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    Tom DeSimone

    Hi Mike,

    Thank for reading! Here are my thoughts.

    The POS (point of sale) is the software and hardware combination that you use to track inventory, create orders, accept payments, track sales, etc. A mobile payment service bundles payment processing services with rudimentary tablet/smartphone POS software and a headphone jack card reader. (So if you use the PayPal Here app, you must use the PayPal Here processing service. This is not true of other full-featured POS software.) The nice thing about mobile-only systems like this is that they usually don’t have a monthly fee, so if you have a slow month you won’t have to pay extra to keep your account open. They also have very low equipment costs. For low-volume businesses, these systems often make the most financial sense.

    To be able to accept all of the payment types you describe, and to get fair rates while doing it, you’re better off looking elsewhere. PayPal Here will not be able to support EMV chip cards or NFC payments made via digital wallets. They also will not be able to give you a fair rate on your debit transactions. Plus you’ll still have to integrate the PayPal gateway with your online store if you haven’t already.

    Don’t limit your search to mobile processing providers. A processor like Helcim or CDGcommerce will be able to bring you into the 21st century equipment-wise (you’ll love how much faster internet-connected credit card processing is!) and get you the best rates possible on an interchange-plus plan. They can set you up with mobile (smartphone-based) processing, power payments for your online store, and allow you to accept all forms of payment in-store.

    But, that said, there are two scenarios where using PayPal Here might make more sense. First, if you want access to a free tablet-based POS system. (It has limited functionality, but it is free and does have printer connectivity.) There are plenty of other tablet POS options, but you’re looking at $40 per month+ just for the software if you want something full-featured. The other is if you will have a fairly low volume of card payments most months (say, under $5K). At that point, a pay-as-you-go service like PayPal Here can be more cost effective. but it’s worth running the numbers for your own business.

    Hope this helps! Good luck.
    -Tom

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    Bryan

    Hello. What POS should I use for my business? I’m a bail bond agent and I can take in $5,000.00 in one appointment. I’m afraid to go with square because of them holding my money. PayPal here said I was not eligible because of the information I provided. Flint has a limit of $1,000.00. I think. Any recommendations.

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    Tom DeSimone

    Hi Bryan,

    That business type may be considered higher risk. You should check out Payline Data. They are flexible and fair.

    Good luck,
    Tom

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    Christina

    Hi Tom,

    Thanks for the good work you do! This is confusing for a newbie. I will be doing art fairs until it gets too hot here in AZ. So I will have months where I don’t use the reader. Sales will probably be about $70 per canvas. No telling how many will sell yet, gotta get a reader. What do you think my best option is? I have a Samsung Note 2, a couple years old. Please advise as I am now totally overwhelmed with info and fear from the scary reviews, yikes!

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    Tom DeSimone

    Hi Christina,

    Have you checked out Flint Mobile? They are our current favorite for inexpensive mobile processing. The two limitations you should be aware of with them are (1) no AmEx or Discover processing is provided, and (2) no paper receipt printing is included. Even so, I find their other features and overall reliability make them a great option, especially for sporadic and low-volume merchants.

    Funding holds and account terminations are always a worry with mobile processors. I find Flint to be most reliable, but PayPal Here isn’t too bad these days either, and Square has actually improved a lot this year.

    Good luck,
    Tom

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    Val Frazier

    Thanks for the Report. It’s a much better, more hopeful one than the One I read from March 2012. I acquired a Reader but couldn’t use it on the Android that I had, unfortunately. I’ve gotten another phone since then (about a year ago) and the Reviews are better and better.

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    John Jang

    I have been waiting patiently for Paypal Here for over a year. When is Paypal going to officially released them here in Canada? I have been using Paypal for over 10 years on my online business and I feel very comfortable using them.
    Also , does Paypal Here scan fraudulent credit cards and rejects them?
    On my Paypal online business, we only shipped out order(s) that have shipping addresses that has been confirmed by Paypal. Online transactions have Seller’s Paypal Protection. The seller is protected when the item have a postal or courier tracking number. High price items must have a signature confirmation. Is there Paypal Seller’s Protection on Paypal Here? We at least probably have to match the signature on the credit card with a signature on an ID – Driver’s licence. However, not all consumers sign their credit cards or have IDs such as a driver’s licence.

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    Brandon

    Is it possible to link the funds transfer to anything other than your paypal account? If I want to link it to my business account is that possible or will I have to login to paypal and transfer funds to that account?

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    Tom DeSimone

    Hi Brandon,

    The nice thing about PayPal Here is that your funds are available in your PayPal account immediately after you complete the transaction. If you want your PayPal account balanced to be transferred to your bank account automatically on a daily basis, you’ll have to have a feature called “auto sweep” activated on your account. In some cases, you will have to contact customer support to enable this feature. Without this feature enabled, you’ll have to manually initiate the transfer to your bank account, since – unfortunately – PayPal requires that you use a PayPal account as your primary account.

    One reason this doesn’t bother me so much is that you can use a PayPal business debit card (free, no monthly fees) to use your funds immediately the same day you process the transaction. But you certainly bring up a noteworthy shortcoming of this service. Consider checking out Flint for faster, more direct withdrawals.

    -Tom

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    helen

    Are you the official complaints department for paypal here?

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    Tom DeSimone

    Hi Helen,

    No, we are an independent review site. If you’d like to submit an official complaint to PayPal, you’ll have to visit their customer support page.

    Best,
    Tom

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    Chester Kallem

    I have been using PayPal. First problem I ran into was their virtual terminal. This could be a great program for small business. But instead they charge a ridiculous fee to use this program. You pay $30 a month for a small business. So I started using their iPhone app. This should be a great program for those of us that do not have a brick and mortar store. Every show it seems that PayPal has a new twist. The last one I ran into was two. First they keep asking to have a picture uploaded or logo. I don’t want that and can’t get rid of the request. But then they decided to force you to be tracked. So now they know where you are making the sale. But it isn’t easy to setup, not forgetting the fact I do not want tracked, and it cost me sales trying to get it set up. And then had to pay the fee for those credit cards I had to hand enter. Some day businesses working with software will learn they should never add these add on programs. Always keep software simple and solid. Just because you ‘can add’ something, doesn’t justify the addition. In this case I not only do not want them tracking me, to add it on cost me sales and made this program difficult to use. Really not something that should ever be added on a credit card acceptor. Someone at PayPal isn’t using their brain real well.

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    Cari

    Darn! The App Store allowed me to download the app, complete registration now the wheels are spinning on the final “registering your device”. Reading your review I know conclude this is because I’m in Canada?

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    Tom DeSimone

    Hi Cari,

    Yes, unfortunately this is the case. Square and GoPayment work in Canada. Of those two, I prefer Square. Depending on your business type, there may be better options. Let me know if I can help your further!

    -Tom

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    Chelsea

    I was wondering if it is at all possible to use the Square POS stand with the paypal app? I have heard scary reviews about Square withholding funds etc. and I am a bit apprehensive to continue working with them since I just began using them. I did buy the stand and enjoy using it so I was wondering if i could continue using it if I did switch over to pay pal.

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    Tom DeSimone

    Hi Chelsea,

    Unfortunately, the Square Stand only works with the Square app. There are generic iPad stands that can be used with PayPal Here, but they do not offer anything with the integrated card reader like Square does.

    -Tom

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    Rob

    I have been using PPH since it’s early release. I don’t use it often (few times a month) but I am moving to a physical location for my business and am considering using PPH for my sole Point of Sale system.

    I’ve been with Paypal since my business opened 5 years ago and have probably processed over $1 million with them. Sure I have had issues with a couple of chargebacks but honestly that is really all driven by the customer and your interaction with them – not Paypal.

    My concern going forward with PPH as my sole POS is reporting. Integration to Quickbooks is non-existent so I plan on doing weekly inputs from the service side of the business into Quickbooks but so far I don’t see a clean way to get item specific sales reporting on a weekly basis. Are you aware of any solutions to that?

    Also being a POS I would like to integrate a receipt printer and cash drawer (iPad PPH App driven) but when researching on the PPH site it seems that their partner solutions with hardware are in fact separate POS systems that can simply use the PPH card reader and then carry with it their own fees and prices. The app appears to be able to handle adding a receipt printer and cash drawer but no where does it specify what requirements for the hardware are or what can be bought to work with it. Any ideas?

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    Tom DeSimone

    Hi Rob,

    Their advertising of partner solutions does make it difficult to find the info on hardware compatibility. The info you’re looking for is on this page.

    PayPal Here for iPhone and iPad supports the following receipt printers, as well as printers that are AirPrint or ePrint enabled:
    1. Star TSP 143L (connect via wireless router)
    2. Star TSP 654L (connect via wireless router)
    3. Star SM 220-i (connect via Bluetooth)
    PayPal Here for Android smartphones supports the following receipt printers:
    1. Star TSP 143L (connect via wireless router)
    2. Woosim WSP R240 (connect via Bluetooth)

    and

    PayPal Here works with cash drawers that connect to a Star receipt printer and are equipped with the MultiPro 320 Volt interface connection. Examples include the APG Vasario 1416 and APG Vasario 1616.

    I’m afraid that I can’t be of as much help when it comes to exporting item-specific reports from PayPal. This page has information on general exporting from PayPal to QuickBooks. I know that there are some paid software services that should be able to make this happen for you, but I haven’t tested any so I can’t tell you which is best (or if any actually work well). But maybe take a look at http://www.SimplePort.net.

    Please, please come back and let us know if you find a good solution for this. I’d love to know.

    Hope this helps, and good luck!
    Tom

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    Karen

    Been about a year using PayPal Here for my hair salon with no issues until they abruptly canceled check capture without any prior notice, that was just infuriating!

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    Tom DeSimone

    Hi Karen,

    I was also very disappointed to see that PayPal Here dropped the check capture feature (which I considered a nice selling point for them), and am even more disappointed to hear that they didn’t provide sufficient notice about it. Your bank may have a mobile banking app that allows you to deposit checks with your phone camera (BofA and Chase do, I know), which isn’t as nice as doing it in-app but might be a working alternative.

    -Tom

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    Jim Stauffer

    I haven’t used PPH a lot, but my experiences so far are positive.

    I would like to be able to test PayPal Here™. It is not a good business practice to experience the various ways of utilizing the feature LIVE with customers. If mistakes are made in your learning curve, it does not help your customers’ confidence level. Even worse, what if the mistake made is with several customers at one event, and results in a financial issue? We NEED a test abilitlity.

    Thank you…

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    Mario

    I did a Web design job and accepted $750 as a payment for a job, the job was completed, then received a chargeback issue where the customer did a chargeback from the cc company and paypal took my money away completely. I then submitted the emails and conversations and PDF’s of proof, and Paypal then said sorry, non-tangibles are not covered under the paypal protection. Basically I am out of $750, contacted the customer keeps saying he will call the card company and cancel it (apparently only way i can get my money back) and indeed does not. So watch out if you are selling services with Paypal here because anyone can issue a refund from a card and might I mention this happened over 9 months ago!!!!

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    Marc

    Why does PPH need access to my documents, pictures and videos in my phone? Seems kind of intrusive, and now debating if I should go for it.
    Thanks

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    Tom DeSimone

    Hi Marc,

    PayPal Here might need access to pictures so you can upload item images, but I don’t know why they’d ask for videos or documents. Can you tell me where you saw this?

    -Tom

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    Merilee

    I’m very interested in using Flint primarily, but wondering if PPH would be a good “second” for accepting Amex. Wondering it there is Quick Books integration with PPH like there is with Flint. Thanks for your help!

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    Tom DeSimone

    Hi Merilee,

    PayPal Here doesn’t include QuickBooks integration. For the purpose of accepting AmEx only, I think Square could suit you fine, and Square is integrated with Quickbooks. While using Square does come with a higher risk for withheld funds, as a secondary account you won’t need to worry about that as much.

    Good luck!
    Tom

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    bransi

    Do they clearly state, how much you are charged to make a withdrawal at an ATM with the debit card they supply? I’m not reading anything that clearly states….

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    Tom DeSimone

    Hi Brandi,

    The ATM fee from PayPal is $1.00, but you’ll also pay whatever standard fee is charged by the ATM owner.

    -Tom

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    trina

    If I don’t use PPH is there any charges? Ty

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    Tom DeSimone

    Hi Trina, nope, no charges unless you process cards. Most of the mobile processors work like this, except the few who charge monthly fees. Good luck!

    -Tom

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    Gretchen Schaefer

    Do transactions made with the camera on your phone count as ” keyed in” or normal transactions? This seems like a neat feature on some of these services but I can’t tell if it costs more. Thanks for the comprehensive reviews!

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    Tom DeSimone

    Hi Gretchen,

    With PayPal Here, camera scans are charged the same rate as keyed-in transactions (3.5% +$.15). If you’re interested in a service that allows camera scans without paying more, check out Flint. They don’t use a swiper at all – only camera-based scans.

    Good luck!
    -Tom

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    Levi Adair

    Beware of PayPal Here!!!!! First, they hold 100% of your funds above any amount of $2500.00 for up to 90 days. Second, they REFUSE to post my business account name or even my name on client’s billing statements. This has created a great amount of confusion as I have now had 2 clients file for fraudulent unauthorized charges. All they see is a charge from PayPal on their statement. I even had one client try to research who the merchant was that charged the total amount I charged them and were UNABLE to find my company info anywhere. At this point, I am fearful of authorities coming after me for fraud as I now show 2 fraudulent transactions against me. PayPal refuses to remedy this issue by simply applying my information to billing statements. PayPal simply says “that’s how the system is built and we will not change”, even one of their own customer service agents admits that this is wrong and confusing. Fortunately, my clients are really good smart people and have contacted their credit card companies, but it will take a week or more for the whole issue to be resolved. Also, be sure to check rates of swiped versus keyed in transactions. Does cost more for keyed in. Many of my clients are not on site when I charge their cards which requires keyed transactions.

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    Edward

    Tom, is Levi right when he writes that a card transaction with PayPalHere will only say PayPal in the customers card invoice – opposed to the name of my business?

    If so, that seems like a big thing to mention in any review as I can see the potential for great confusion from customers which will only lead to more chargebacks.

    What about the other merchant options like Flint ect do they all do the same thing?

    Thanks for your advice!

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    Tom DeSimone

    Hi Edward,

    PayPal Here, Flint, Square, and other mobile processor all (should) include your business name (as you provided in your application) in the transaction details on the customer’s statement. The PayPal name is also included, but alongside the business name.

    I personally tested this when I reviewed these companies, so unless something has changed this should be how they handle it. If this is not showing up, you should contact customer service to see what the problem is, because it is an error.

    Hope this helps,
    Tom

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