PayPal Here Review

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Date Established
1998
Location
San Jose, CA

Overview:

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. It fast became a major force to contend with, and with the brand recognition of PayPal and quite a lot of money backing it, that’s no surprise.

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. (Or you shop on Amazon.)

Seriously, though — PayPal has 192 million active accounts and 8 million merchants using its processing services. The company is massive, and merchant payment processing only makes up one part of the overall business.

But within its merchant services division, the company offers a comprehensive suite of services, from the mobile POS app (of course) and online card processing to business financing, POS partnerships, and other integrations, and so much more. It’s a massive ecosystem and one that PayPal is looking to expand. We already reviewed PayPal as a merchant service provider, so a lot of that information also pertains to its Paypal Here mobile processing service.

It’s worth noting that as of July 2015, Paypal is no longer part of the eBay, Inc. corporate family. Since then, it’s really struck out on its own, and I am genuinely excited to see the ways that PayPal will continue to shape and re-shape the payments space — and digital wallets, for that matter.

One of my favorite aspects of PayPal as a whole is the seamless experience for merchants. In person, online, on the go — you can take payments and access your money virtually anywhere. Setting up PayPal Here is an easy experience. While you’ll need a PayPal Business or Premier account to use PPH, the upgrade from a personal account comes free of charge and happens automatically as part of the sign-up process.

On its own, PayPal Here is not the most comprehensive, feature-rich mPOS app out there. That honor goes to the other major name in this space: Square. But PPH has everything you need to process payments on the go, and it can be supplemented with a huge assortment of integrations and tools. It even supports a register setup for those who don’t need advanced POS capabilities.

I generally feel that PayPal Here has long held a slight edge over Square in terms of account stability, which is no small thing. It’s also without question one of the most functional, best-designed mobile point-of-sale options for merchants of all sizes. If you are more broadly looking for a commerce solution that includes an mPOS, PayPal is definitely one of the best, and probably the best, solution out there.

I’m completely comfortable giving PayPal Here 4 stars for now. If the company could work on improving a couple of very important aspects of its service, we’d consider bumping up that rating — but not before we see signs of progress.

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

Products & Services:

NOTE: PayPal Here is still not available for Canadian merchants, although a small pilot program did launch in Canada. We’ve received a lot of inquiries about this and will post an update if we ever hear about any changes from PayPal. In the meantime, Square is a great alternative that offers processing to all Canadian merchants.

Screenshot of PayPal Here landing page, with basic information about service

PayPal Here offers all of the basic features you’d expect from a mobile POS, plus some nice surprises. I seriously love how easily it integrates with the rest of PayPal’s features. Whether you sell online, in a store, on the go, or a combination thereof, PayPal has a solution that works — and loads of partnerships to boot.

As far as PPH is concerned, here’s the feature rundown:

  • Mobile credit and debit processing: Accept Visa, MasterCard, Discover, and American Express cards. You can even accept cross-border cards for an additional fee.
  • Free mobile app: Available for Android, iOS, and even Windows 8.1 devices (more on that later)
  • Custom tax and tip options: This is pretty standard for any mPOS app. You can set your tax rates from within the mobile app or online, too. The tip feature lets you add optional tips to each order and even suggest a number by percentage or dollar amounts.
  • Discounts: PayPal Here supports the option to add discounts at checkout if you’re having a sale.
  • Item library or quick sales: You can simply punch in a transaction amount and swipe away, or you can keep meticulous records by creating an item library. PayPal Here will store your inventory, complete with prices, so you can simply select the item instead of having to total up sales yourself.
  • Item variants: PayPal Here also lets you create item variants for different colors and sizes — and you can set different prices for those variants.
  • Refunds and partial refunds: You’ll have to be using the primary PayPal Here account for this, but you can send refunds from within the app.
  • Enable signatures for transactions under $25: If you want a bit more payment security, you can choose to enable required signatures for transactions under $25 (it’s automatically required for transactions over $25).
  • Free audio jack swiper: Need your card swiper right away? Buy one at a local store for $15 and PayPal will reimburse you. Otherwise, if you can wait, they’ll mail you one for free.
  • Chip card/contactless reader: Accept chip-and-PIN, NFC, and magstripes with Paypal’s Bluetooth chip card reader. It will cost you $149, but if you process more than $3,000 within 3 months after activation, Paypal will reimburse you $100. That’s admittedly a high price compared to most of the other mobile readers on the market but bear in mind that NFC support and the pin pad are almost certainly driving the price up. You can also get a $100 rebate if you process $3,000 through PayPal Here within 3 months.
  • Manage multiple users under one account: If you have a team of users, you can create secondary accounts and assign permissions PayPal brags that you can create 1,000 of these accounts at no extra charge, which is admittedly impressive. Square will charge you for this feature because it comes as part of the employee management package.
  • Support for cash drawers, tablet stands, and receipt printers, and barcode scanners: You really can build an entire register setup with PayPal Here, and unlike Square, the system is compatible with multiple tablet stands.
  • Hardware integration with other POS systems: If PayPal Here isn’t sufficient for your POS needs, you can integrate your PayPal account — and use the PayPal Here chip card reader — with a handful of more robust platforms, including Vend.
  • 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, even when you’re not spending it online. As a bonus, it’ll make your bookkeeping easier if you only use it for business expenses.
  • Cash and check recording: Manage all of your payments in one place with the ability to log cash and check payments. There’s even a QuickBooks integration.
  • Invoicing: This comes as part of the broader PayPal business account, but you can send invoices to customers through the web, or directly in the PayPal Here app. The invoice itself is free to send, but when you get paid, Paypal takes out 2.9% plus $0.30 — or less, if you have a volume discount. Being able to do this in-app is a major plus.

There’s nothing particularly new or innovative about the PayPal Here app. (I’m not sure any mPOS app is truly “innovative” anymore, to be fair.) But it is well designed. Everything is easy to use. You can manage a lot of these features right from within the app, as well as online.

I can’t stress again how much I love the seamless experience. You can easily sell online and sell in person and all of your money goes to the same place right away.

What’s New in PayPal Here:

I’ve been itching to see what new features PayPal Here will roll out since the split from eBay but so far I’ve been disappointed. The company seems to be focusing on strategic partnerships in other areas of commerce. Admittedly, developing new features can take time — but I’d like to see something new or improved about the app in the near future.

What’s Missing in PayPal Here:

Something I would very much like to see, that Square has already implemented, is an offline mode. Sometimes, try as you might, an internet signal is just not available. In those cases, PPH is useless for processing cards, but Square will actually let you swipe cards and then store that information for up to 72 hours. Yes, there are some liability issues, but it’s a very good feature — and a much better alternative to a manual credit card machine when you don’t have Internet access. Intuit’s new iPad-based QuickBooks POS also has a feature that allows you to process payments without Internet access, but otherwise, I have not seen it widely implemented.

It might seem like internet access today would be a given, so why would you ever need a feature that lets you process without it? Well, sometimes outages happen. And sometimes you find yourself in a space without either Wi-Fi or cell signal. Convention centers, in particular, are notorious for blocking external Wi-Fi. Often the cellular networks and public Wi-Fi networks are congested and slow just because there are so many people in a relatively confined space. For artists, crafters, and other makers of handmade goods who sell at shows, this is a

For artists, crafters, and other makers of handmade goods who sell at shows, this is a huge problem. For these merchants, and many other small startups, a pay-as-you-go mobile service is the best (or sometimes only) option — they don’t have the money to shell out for a hardline internet connection or phone line at an event like larger businesses can afford to do. (These services can run hundreds of dollars depending on the venue and length of the event, not counting the addition of electricity to power a computer, register, or card terminal, among other electronic devices.)

While you are left eating the cost for any offline transactions that are declined using Square’s Offline Mode, I’ve personally not had a problem with it. But this may vary by the event, your customer base, and even your industry. And it’s entirely up to you whether you even want to use offline processing. I would love to see PayPal Here integrate this feature.

What else is missing from PayPal Here? Well, a better inventory system would be nice. Right now you can create a library of items and run sales reports, but the app won’t automatically count inventory or deduct when something is sold — for that you need to integrate a service Shopventory (starting at $30/month).

Square has a decent inventory system feature, and even Etsy’s reader has it, so this feels a bit lacking to me.

Compatible Hardware:

At this point, there’s a substantial number of devices supporting PayPal Here, which is a major advantage. Your device is going to need a 3.5 mm headphone jack if you’re using the magstripe swiper or Bluetooth enabled if you’re using the chip card reader. You’ll also need internet support (cellular or Wi-Fi), and location services enabled. Here’s what you need to know about compatibility:

iOS: PayPal Here is compatible with iPhones and iPads running iOS 7.0 or later.

Android: Smartphones and tablets must be running Android 4.0 (Ice Cream Sandwich) with location services enabled.

Windows: Smartphones and tablets must be running Windows 8.1. Compatibility with Windows devices is slightly less widespread, as you might imagine, but here are some of the supported devices:

  • Surface Pro 3, 2, and RT
  • HP Elitepad 1000
  • Asus Vivotab Note 8
  • Dell Venue Pro 8
  • Nokia Lumia 1520
  • Nokia Lumia 830
  • Nokia Lumia 635
  • Nokia Lumia 630
  • Nokia Lumia 520
  • BLU Win HD

Fees & Rates:

PayPal Here does a spectacularly great job at disclosing its fees and rates. Apart from the transactions themselves, you pay nothing — unless there’s a chargeback. Now, if you need more features (such as a full e-commerce setup to go with your mobile reader), you might want to look at PayPal Payments Pro — that’ll run you $30 a month.

If you’re just using PayPal Here, though, this is what you can expect to pay:

  • Swiped Transactions: 2.7%
  • Keyed-In or Scanned Transactions: 3.5% + $0.15
  • PayPal Transactions: 2.7%
  • Cross-Border Transactions, Swiped and PayPal: 3.7%
  • Cross-Border Transactions, Keyed In or Scanned: 4.5% + $0.15

You won’t see any:

  • Monthly/annual fees
  • PCI compliance fees
  • Setup fees
  • Equipment fees

…or any other fees not mentioned above. There really are no hidden fees with PayPal Here or with the core PayPal offerings. The only thing you should be aware of is the $20 chargeback fee. That’s pretty standard in the industry because dealing with chargebacks is a headache for any payment processor.

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

Contract Length & Early Termination Fee:

You are completely free to close your PayPal account anytime or to simply cease using the PPH app for processing and keep your PayPal account for online transactions. 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 $300-$400 early termination fee, I’m pretty satisfied with PayPal in this category. Not only that, but some of the smaller mobile processors have started implementing a non-activity fee. After a year of inactivity, these companies will start charging you $2.99 to $3.99 monthly until you start using the service again or cancel your account.

Check out the full PayPal Here user agreement before you sign up. You should also read the standard user agreement here since you’ll have to agree to it in order to use the mobile service.

Sales & Advertising Transparency:

As we said in our main PayPal review, sales and advertising are incredibly upfront. All of PayPal’s rates are listed in plain sight, so there’s no hidden agenda. Most of its business comes directly through the website or via referrals.

This is the way business should be done in my opinion. PayPal has managed to solve a problem so well it doesn’t need to shove a product down your throat. There’s no deceptive practices or too-good-to-be-true offers. And the company is still at the top of the game and innovating, looking for ways to improve the world of commerce.

I couldn’t ask for anything more from PayPal Here advertising. I’ll also say that PayPal is doing a great job with social media overall (though that really is more of a discussion for our full-fledged PayPal review.) You’ll find some good stories and updates on the blog (dubbed PayPal Stories). They cover a wide range of topics, reflecting the incredibly diverse nature of PayPal’s business.

However, there’s not a lot of PayPal Here-specific information beyond the sales pages, the help center, and a few YouTube tutorials like this one.

That said, PayPal Here is fairly intuitive. If you’re familiar with smartphones at all, you should be able to work the app from the get-go. You don’t need a full training course. Just read up on what features are available if you plan on doing anything other than punching in numbers and swiping a card.

Customer Service & 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 a bunch of different customer service and support options including:

  • Quick Answers
  • Resource Center
  • Community Forum
  • Phone/Email: (Mon-Fri 5 a.m.-8 p.m. PST, Sat/Sun 6 a.m.-6 p.m. PST). Judging from the online chatter (see “Negative Reviews and Complaints”), PayPal’s phone support is very inconsistent. My advice is to avoid calling if at all possible. Answers to most common problems can be found with just a little bit of searching. Between the community forum, quick answers section, and resource center, you should be able to find a solution.

PayPal is also very active on social media sites like Twitter and Facebook. It even has a @AskPaypal Twitter account where reps will field your service and support questions, and post updates relating to service uptime.

Negative Reviews & Complaints:

Unfortunately, PayPal doesn’t have a separate BBB account for its PayPal Here processing, so we’re stuck wading through the 6,599 complaints (up from 6,324 at our last check-in) filed in the last three years on PayPal’s main account. It’s got an A+ rating, but the majority of the 199 reviews on the BBB are negative.

That’s an enormous number of complaints, no doubt about it. But when you actually start reading the 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.

Another issue is that unlike traditional merchant account providers, PayPal is also a consumer-facing business. The overwhelming majority of complaints come from users who have had issues with eBay sellers, problems with their accounts and fraud, and any number of other concerns that have nothing to do with processing credit cards. The complaints against PayPal don’t all come from merchants. So don’t let the numbers fool you. BBB complaints aren’t indicative of PayPal Here’s mobile app or indeed PayPal for Businesses.

There are plenty of complaints about PayPal on RipoffReport.com, but nothing for PayPal Here, for those of you wondering. And as with the BBB, a lot of the RipoffReport.com complaints are from consumers, not necessarily merchants.

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

  • Withheld funds, freezing of accounts, and termination of accounts: The biggest challenge with any pay-as-you-go processor is that at any time PayPal could decide your account is at a higher risk for fraud of suspicious charges and take all sorts of actions, from holding your funds and implementing a reserve to outright terminating your account. This does happen to merchants, and it’s understandably terrible — no one wants their money trapped in limbo, or to lose their means of accepting credit card payments. However, I generally believe PayPal Here is the most stable third-party processing app out there. It is not perfect, but it does very well.

If you think that your business falls into the high-risk category, then you should know 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 or Payline Data instead. You can also learn how to avoid holds, freezes, and terminations here.

Which brings me to another concern:

  • Inconsistent customer service: Much like Square, PayPal’s customer support is designed to efficiently solve 95% of problems with minimal human interaction. When a service works with such a huge base of users, this is necessary in order to keep prices low across the board. But unfortunately, that remaining 5% often represent the most pressing problems, including account-specific issues like fraud, chargebacks, funding holds, account suspensions, billing errors, and so on. When it comes dealing with these problems, merchants need to speak with a well-trained and articulate support representative. Unfortunately, judging by complaints, your ability to reach a reliable support rep is more luck of the draw than anything.

Customer support is a source of frustration for me because it’s one area where traditional merchant accounts tend to excel. For most mobile processors (and their merchants), it’s a serious pain point. Bridging that gap seems to be a nigh-impossible feat, especially because so many issues relating to customer service also seem to be tied to account stability. When third-party processors terminate an account or put a hold on it, there’s not a lot of warning — if any. And if an account is terminated, the company (PayPal included) usually doesn’t disclose exactly why.

For PayPal Here account-specific issues, you’re probably going to get on the phone and talk to someone, and it’s entirely luck of the draw whether you’ll get the issue resolved. This combination is problems is exactly what’s holding PayPal Here back from a 5-star rating — if it could deliver more consistent customer care and do something about the holds and terminations, I’d consider bumping this review (and the main PayPal review) score up by half a star.

And finally, there’s one last noteworthy complaint from PayPal Here users:

  • Cost of the EMV reader: Square has an abundance of card reader options. PayPal has just its free basic magstripe reader and an EMV reader that runs $149. You’re eligible for a $100 rebate if you process $3,000 within 3 months, which is fine for mid-range merchants but a challenge for the smallest businesses — the ones who only process sporadically. That said, PayPal Here’s chip reader is a very well designed device. It’s easy to use and combines a magstripe reader, NFC reader, and EMV reader in one.

Want to understand more about how we rate companies and how your comments come into play? Check out our article about negativity bias.

Positive Reviews & Testimonials:

PayPal’s YouTube channel has also a nice video testimonial for PayPal Here, but there aren’t many others out there:

You’ll also find a lot of positive reviews on the Google Play page for PayPal Here. To be sure, there are negative reviews (mostly relating to technical issues) — but the score is overall positive: 4.3 stars on more than 25,000 ratings. And PayPal Here has a good rating on iTunes as well (4 stars over more than 3,100 ratings).

From what I’ve read online and learned from talks with PayPal Here users, these are the most praise-worthy features:

  • Quick funding and access to cash with PayPal debit card: Your money goes into your PayPal account almost instantly and you can spend it online. With the debit card, you can spend it anywhere — and you’ll get 1% cash back. Most other processors, traditional or pay-as-you-go, take at least 24 hours. If you want your money instantly from Square, you’ll have to pay an additional 1% to transfer it to your bank sooner.
  • Well-designed card reader: PayPal’s basic little magstripe reader is reliable and easy to use, and its chip card reader is too. The chip card reader fits in the palm of your hand and pairs via Bluetooth.
  • Easy-to-use app: The PayPal Here app, as we’ve said, is intuitive and easy to understand even to a newbie.
  • No hidden fees: When processors start tacking on extra fees, merchant profits start going away. But you won’t run into that with PayPal Here — ever.
  • Seamless integration with PayPal business account: Many merchants these days sell in stores, online, and on the go. When you use PayPal, everything is integrated seamlessly. You won’t be running reports from different sources and comparing them — all your data (and your money) is available in one place.

Final Verdict:

I absolutely recommend PayPal Here to anyone interested in standalone, pay-as-you-go mobile processing. It’ll even work in a retail store so long as you don’t need a particularly complex setup.

While it has some shortcomings when compared to traditional merchant account providers (namely less stability and less reliable customer service), there’s no question that PayPal Here outperforms most other mobile payment processors.

I’ll be honest: Square has more features, including a couple that I would love to see PayPal introduce (such as inventory counts and an offline mode). But I think PayPal Here delivers slightly more stability and its customer service is absolutely comparable to Square.

And of course, PayPal definitely has the edge if you also sell online. The seamless movement between the web, mobile, and in-person, plus the widespread compatibility with all sorts of platforms and integrations for all facets of business, means that choosing PayPal (and PayPal Here) is almost a no-brainer so long as it has all the features you want.

I love the almost-instant funding to PayPal accounts, alongside the PayPal debit card for quick access to the cash virtually anywhere.

You should do your research and decide which option is best for you. You can start with our Square vs. PayPal Here article, as well as our comprehensive Square and PayPal Reviews. You can also check out our comparison of mPOS processors.

I’m completely comfortable giving PayPal Here a solid 4 stars. It’s not perfect — but it’s undoubtedly among the best in mobile processing. If PayPal could work on its customer service, and iron out some of the kinks in its holding process, that would be fantastic… and it might just be enough to bump the rating up to 4.5 or even 5 stars.

What’s your experience with PayPal Here? Good, bad, somewhere in between? If you have insights, please leave a comment!

Melissa Johnson

Melissa Johnson

Melissa Johnson is an independent writer and editor who loves e-commerce, digital marketing, technology, and social media. Once upon a time, she earned a journalism degree, but she went on to discover that she could work from home, researching, editing, and writing about the things she found most interesting. When she's not tied to her laptop, Melissa can usually be found in the kitchen, reading a book, or doing something of the nerdy persuasion.
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113 Comments

    Paul Riddell

    PayPal had an issue on 3/17/2017 with iOS users. PayPal updated the software application and took down the network for iPhone and iPad users. I lost hundreds of dollars in sales because I could not accept payments with this software. I am forced now to find an alternative in case this should occur again. The system went down around 5 PM today and I am writing this review at 9:07 PM and it is still down with no estimation for resolutions. Bad business PayPal!! Due to this problem I had to close my shop early today.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Corey Schulz

    I want to first start off by saying avoid pay pal at all cost. I deposited 2600 from my pay pal account to my bank account on February 2nd 2017. After doing so I was told I would Receive my money within 5 business days. After 5 days my money was no where to be found. I called my bank and they finally found my Money it had been put into someone else's account. They told me to have PayPal send in a letter of identity and everything would be reversed. PayPal said they could not send over a letter of identity, they could only issue a pull back. So after speaking with about 20 different people at pay pal about 5 of them were supervisors. And the last one told me that if this last pull back does not work that I need to Sue PayPal. Now I know after working in retail for a long time that I would have been fired for telling a customer to sue the company I work for. So if any of the higher up's see this please feel free to contact me. Thanks

    1

    This comment refers to an earlier version of this review and may be outdated.

    Jenny Carrillo-Alas

    Horrible! I have a Janitorial Business and they are holding MY money for 30 days!!!! how do I run a business and pay my employees with "Paypal Here" absolutely STUPID!!! Lets hope in 30 days the customer still has the money to pay me and doesn't think we didn't charge. Stupid Process for a large well known company!

    1

    This comment refers to an earlier version of this review and may be outdated.

    Tea

    I just found that out too. How is one to conduct business? I am taking my money elsewhere tomorrow morning and the rest when it becomes available. THE article doesn't mention anything about it. Some bad research. Gth paypal here. Not with me!

    1

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Tea,

    Unfortunately withheld funds are possible with any pay-as-you-go processor. There is more information in the “Negative Reviews and Complaints” section of this article. If you need help finding another processor, please let me know.

    This comment refers to an earlier version of this review and may be outdated.

    Kurtis McMillen

    I began installing PayPal Here. Fortunately the installation showed me all of the resources it needs to access before after installing. The app wants access to: device & app history, contacts, identity, location, photos/media/files, camera, microphone, Wi-Fi connection information, Device ID & call information. Some items make sense but others seem excessive, especially contacts and photos/media/files.I used PayPal's contact web page to ask this question and, of course, received back a generic answer with links on how to get and use PPH.It looks like an app I could benefit from, but not at the cost of giving up the contents of my phone.

    2

    This comment refers to an earlier version of this review and may be outdated.

    Nancy G

    Don't use Paypal Here unless you are only swiping under $500 transactions. Anything over that and PayPal will hold your money in a pending account for over 30 days. They will not release the money until the 31st day and only if they are happy that the transaction had no complaints from the customer on it.

    1

    This comment refers to an earlier version of this review and may be outdated.

    alex

    I would avoid PayPal at all costs. We are a mainstream retail brick and mortar business (read, low risk) and were looking for alternatives to Square. Paypal announced after receiving deposits that it would take 30 days to release any and all funds. This was not disclosed verbally even when salesperson was asked about time between charge and deposit. Square deposits funds the next business day. Paypal takes up to 4 days. I was OK with that but 30 days is beyond the pale. We'll be returning to square or seeking out another alternative.

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    This comment refers to an earlier version of this review and may be outdated.

    Elizabeth

    I run an Avon business and am about to go to my first Vendor show. Would this be a good option for me or, since my sales are still pretty slow and sporadic, should I wait and see if my business grows first? Thanks!

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Elizabeth,

    Yes, this would be a great option, and I would also recommend taking a look at Square.

    This comment refers to an earlier version of this review and may be outdated.

    feesey

    what is a high risk company?

    4

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Feesey,

    This article will provide more information on high risk industries.

    This comment refers to an earlier version of this review and may be outdated.

    Sebastian Sassi

    PayPal Here was easy to set up, but if you're doing transactions remotely, there's a whopper of a catch.If you key in the card number, you can only have the first $500, and then have to wait thirty days to get the rest of the money. Naturally, they don't tell you that until AFTER you've done a transaction.I've been a PayPal customer since the early days, and this is how they treat me? Sorry, but that's BS. In this day and age, you do NOT need 30 days to verify the validity of a transaction. Even Square didn't try that nonsense.

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    This comment refers to an earlier version of this review and may be outdated.

    nagol

    I have had three credit card readers from Paypal. None of them work well. Sometimes I have to swipe the card several times and few times I've even had to enter a card number manually because the reader would not swipe. They charge more for that. Oh and wait you have absolutely no recourse if someone says they didn't make the charge to their credit card companies. You will get charge backs (it's only a matter of time) and paypal does NOTHING about it but make you pay for it. AND they charge you an additional $20.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Gavin and Davina

    We contacted PayPal Here support a few times to resolve issues, instead we feel we have been fobbed off and no support person seem to have the time nor knowledge to solve a problem with the Here App on a brand new iPad Air 2 and brand new Star mPOP Cash and Receipt Drawer. The PaypPal App is unreliable, period. To prove this please see this link: https://vimeo.com/176576290We had to film this to demonste the issues with the app itself, we tried a different iPad and latest iPhone and the problem is exactly the same. The utility mPop shows the drawer is 100% working. When using PayPal Here often the the receipts fail to print and cash drawer fail to open even after taking cash from customers. This is embarrassing and time consuming. We opened shop only about 2 weeks ago and we feel we are letting our customers down and giving our shop a bad name. PayPal support failed to resolve our issue and we have been left to leave a formal complaint with PayPal, again no response! We are now forced to look for a different solution.

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    This comment refers to an earlier version of this review and may be outdated.

    Melissa

    I am a crafter doing about 7-8 craft fairs a year some months not at all. I currently only accept cash or check and am looking to incorporate the ability to take credit cards. Do you think using it so infrequently would raise suspicion and end with them freezing my account? I get a lot of request from people that wish I took a credit card. Thank you…

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Melissa,

    For something like this I would definitely recommend using a mobile processor. It will be cheaper than a traditional merchant account since there aren’t any monthly fees and sporadic activity will not raise suspicion. However, I would recommend letting them know when you sign up that you won’t be using the processor consistently.

    This comment refers to an earlier version of this review and may be outdated.

    Liz

    Hello Tom
    I have a small fireworks business.we r only work 2-3 weeks a year.ab 10k in charges.what credit card phone swiped would u recommend for such short period of time?

    Thank you
    regards

    This comment refers to an earlier version of this review and may be outdated.

    Slawek

    Someone stone me money from paypal account and they dont care.No answer for my email,When I am calling no answer for subject,And... Broken card reader, I have third one, still with problemsNo support, poor service.And everything with highest fees on market

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    This comment refers to an earlier version of this review and may be outdated.

    Gerrie Slegers

    Hi Slawek,
    I never ever use any ways of contacting Paypal, except through Fb message. Go to Paypal’s Fb page and send them a message. They usually get back to you within 24 hrs.
    Emailing or calling them takes too long or you don’t get a proper answer. At least via messenger you get a rather quick reply.

    This comment refers to an earlier version of this review and may be outdated.

    Cindy

    Tom,
    I have had an eBay store since 2003 and I am now adding a brick and mortar location. So many POS options out there, but I am looking for the best, low cost system for inventory, online & in store purchases, integrates well with quickbooks. I will not have a huge amount of credit card sales in my brick and mortar store, but need the inventory tracked as I sell on eBay, Facebook & Etsy.

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Cindy,

    I would try Shopify.

    This comment refers to an earlier version of this review and may be outdated.

    Melanie

    The nonprofit I do the books for uses Square and it is a nightmare for me. There is no way to capture the donors’ names. We have a PayPal Merchant account for nonprofit organization and I am wondering if PPH might be a better choice for us. Or is there another service to better serve nonprofits?

    This comment refers to an earlier version of this review and may be outdated.

    Theresa

    Do you know if we (in Canada) can get the US PayPal card reader for our US PayPal account to use throughout North America? And can we get the chip reader? Using Square right now, but would like to get everything streamlined as most US sales come through PayPal on website.

    This comment refers to an earlier version of this review and may be outdated.

    Adam

    Tom,
    “Amazing work , Very helpful info. with simple languages .”

    I am in the process of starting an online sales campaign , where we would sell AMC(Annual Maintenance Contract) for Computers and Peripherals , which is an online service and involves no physical delivery , almost all of the transactions will be online ranging from $59 to $299 , monthly volume expected $500 – $3000 .
    After speaking to Alice about disputes from PayPal , we will setup a system in place where we send the Invoice 2 copies (customer and company) a hard copy contract with all terms and conditions and ask the customer to sign and return the company copy for our records (As a proof of delivery) and also the Welcome Call recordings where we read the Application to the Buyer for better understanding .
    Since we are a startup we are finding it difficult to find a processor which is not expensive and involves high fees , would you suggest working with PayPal with this system in place IF not what Co. Will you suggest.

    I am in a Fix !!

    Any trusted solutions ??

    Thank You

    This comment refers to an earlier version of this review and may be outdated.

    Melissa

    I am really disappointed in Pay Pal Now. I use Bank of America (now Clover) for 90% of my transactions, but have been having some strange issues with AMEX and international cards being declined when I key them in. I called Pay Pal (whom I run about 20k worth of sales through per year on my website) and explained the situation. They assured me this would not be an issue and that keyed in transactions were fine. I had only used it a handful of times with AMEX cards. Today I ran a transaction for $3,075 and Pay Pal is holding 100% of the transaction for 30 DAYS!!! This is outrageous. I called and asked why and they said that keyed in transactions over a certain amount are held. On their website it says you get $500 per 7 days in keyed in transactions (Most of my transactions are keyed in, which is why I called) and the rest after 30 days. I tried square years ago and they had this same issue - although even square would give me the first $5000 and then hold the rest for 30 days. I cannot believe a company as large as Pay Pal has worse rules than Square - a company with a horrible reputation. I am now going to switch over my website sales to Bank of America as well so I never have to use Pay Pal again.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Mark

    Made the switch from Flint to PayPal Here and could not be happier. Do about $2000.00 to $4000.00 a month in services and so far has been flawless. Customer support has outstanding for me.

    This comment refers to an earlier version of this review and may be outdated.

    Raymond J Marshall

    Well I have read most of these reviews and here is my 2 cents, I used square , Flint and Flint was horrible as of now they are out of business so I’m glad I closed my account with them last year, I used square for awhile and there customer service is also horrible. You can never get anyone on the phone. They don’t return any emails, they sent me emails stating that there holding funds that I never even made. So after 2 days of calling them and emailing them I deactivated my account with them today. I don’t have any pending transactions with them but I don’t trust them now, do I called my bank and my bank put a block on my account that will only effect square so that they don’t try and take money out of my business bank account , I just opened up an account today with PPH , I own s Plumbing business so I have some customers who like to pay with credit cards or debit cards once in awhile so it’s nice to be able to have a mobile credit card reader , according to the PayPal rep, when I swipe a credit or debit card the money will go directly into my PayPal here account then I have to go on there and manually transfer the money to my business bank account. They are sending me a free credit card reader in the mail. I have not used it yet so I can not comment on it. My customers normally pay by check or cash but I do get people who pay by plastic once in awhile so I guess I will see how good it works when I get my first swipe transaction. I hated Flint and they went out of business so I’m glad I parted ways with them and Sqaure is just bad, bad, bad. Forget about anyone calling you back or returning your emails, because it will not happen, you will never get a rep on the phone, I hope PPH is good . I work hard for my money and I for sure do not want to be scammed or my funds being put on hold for long periods of time. But I do wish they had something where once I swiped a card and it goes to my PPH account it would auto transfer to my business bank account instead of having to manually do it every time.

    This comment refers to an earlier version of this review and may be outdated.

    Rob Williams

    Hi, I sell rowing shells and skiffs, costing from $5,000 to $12,000 . This is a low volume business selling about 12 to 20 boats a year. I am dumping First Data, a mistake to sign with them in the first place _ fees, fees, fees. Would PP work well for these sales? I take $1000 deposits over the phone and then full payment upon delivery. Two deposits in one 7-day period would not trigger the 30-day hold but is this negotiable or are there exceptions? If I take deposits on 4 boats at a boat show, I can’t wait 30 days for payment, I would have to order boats, not in stock, for quick delivery. Anything better you suggest for this type of business?

    This comment refers to an earlier version of this review and may be outdated.

    william mcewan

    Not even 1 star.

    I’m one of their customer’s clientele.

    I wasted 2 hours today being declined on 2 valid

    credit cards and a debit card.

    Then I waited 1/2 an hour with their “customer service”,

    who disconnected me, and never called back.

    Maybe “gaypal” works for folks buying 17$ trinkets

    on Ebay, but forget it, if you really want to conduct

    serious business. To say they suck is a rude insult to

    vacuums everywhere.

    This comment refers to an earlier version of this review and may be outdated.

    Lancy

    Hello Tom,
    We are opening a small arcade business and wondering what is the best POS choice. We are thinking our revenue will be around $10K + per month from the start. Should we select Square or PP Here? The downside of the Square they don’t have good customer support, I cannot get hold of sales people. Thank you

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Lancy,

    Honestly I’d suggest opening a merchant account with a company like Helcim, and then choose a separate POS. At $10K per month, the amount you’ll save with the lower rates Helcim charges will more than pay for the extra POS fees.

    This comment refers to an earlier version of this review and may be outdated.

    jim

    Do i have to upgrade to the new chip card reader now? when? I called paypal here and they do not know. They offered me a chip card reader for 149 with 100 rebate. No problem but i need 4 readers, do i get the 100 rebate per unit? They could not tell me. Will my current windows tablet listed in the compatible tablets list work with paypal here. Their answer a most definite NO. What they list devices that will not work, what kind of bs is that.

    This comment refers to an earlier version of this review and may be outdated.

    Bianca Crouse

    Hi Jim,

    They’ve implemented the whole EMV thing to make fraud more difficult. If you haven’t switched yet, you’re held liable for certain types of fraud (because presumably it wouldn’t have happened if you had the right equipment). I’d look into what you might be liable for (explained here) and then decide whether or not you want to accept that risk.

    As for your question about the rebates… according to the fine print, you can get one $100 rebate for every $3,000 that you process. Assuming you activate all four readers at once, you’d have to process $12,000 in 3 months to get a rebate for all four devices.

    Hope that helps!

    This comment refers to an earlier version of this review and may be outdated.

    P Keller

    Horrible to work with. They froze thousands of dollars in sales claiming I keyed the cards in. The reader they sent me didn't work so I had to key the cards in. Then, they had the gall to tell me my reader had to be working.Next, they held funds saying I keyed the transactions, when the cards were run by the user on my online store. I didn't key it, the customer did and it should not have been held. They don't care about the business owner. I am done with them.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Laurie

    I will be opening a store on Etsy.
    I’m confused at what would be the best means to accept payment.
    I don’t need the card swiper….just something to accept payment from my online store.
    Is PayPal a good choice? If so, is it called PAYPAL HERE or is there a different PayPal I should use?
    Please help 🙂

    This comment refers to an earlier version of this review and may be outdated.

    Bianca Crouse

    Hi Laurie,

    If we’re talking online stores, it’s just Paypal, not Paypal Here (I know–it’s confusing). While Paypal isn’t perfect, we do think that it’s good for businesses that are just starting out.

    Here’s our review of Paypal: http://www.merchantmaverick.com/reviews/paypal-review/

    Hope that helps!
    Bianca

    This comment refers to an earlier version of this review and may be outdated.

    Megan

    Hi,Thank you for your reviews, they are very helpful. As others have stated, I'm new and looking to get my small business up and running. I've been sifting through reviews, but I'm not sure I can decide on what will work for my small business. I will be running a seasonal food truck (three months out of the year). Sales are around $4000 a month. Due to being mobile, there may be times when I need an off-line mode. I will only be selling five menu items, so I won't need a detailed POS, just something basic. I don't need print out receipts but I would like it to calculate tax/cash sales along with read cards. Do you have a suggestion on what to use?

    5

    This comment refers to an earlier version of this review and may be outdated.

    rahul

    i am trying to know which is the best merchant providers for high risk business
    i am trying to get a merchant for tech support

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Rahul,

    I would try Instabill.

    This comment refers to an earlier version of this review and may be outdated.

    Simmo

    What a nightmare, and after reading some of the above comments I am probably making the best decision in returning my item to Officeworks. Looks & Reads that it so easy to set up. For me it hasn't been. So after the arduous task of forwarding all my identification, numerous amount of phone calls, transferred 4 times + I finally have found out my application was rejected because I had to declare bankruptcy two years ago. What has that got to do with my application ??? I am a risk ! What a joke !! A risk in what way. ?? I will be definitely be writing and approaching Officeworks as they probably don't know of any of these "regulations" and when buying from their store this important information is provided. I only found out after I had purchased the PayPal Here unit. It looked so simple. It's not I have looked through PayPal Here T&C's and there is nothing about Bankrupt persons are rejected because of their risk !

    1

    This comment refers to an earlier version of this review and may be outdated.

    Kayla

    Hi Tom,

    I’m interested in starting a small business online. Would the paypal here be the better choice over an actual merchant account at a bank?

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Kayla,

    It depends first on your volume, and then your needs. Assuming you’ll be accepting less than $5K per month, you definitely don’t need a merchant account. Even if you are accepting $5K to $10K per month, a merchant account isn’t always the best solution for e-commerce.

    If you really just need payment buttons/payment pages/invoicing, then you can even consider using something like Flint. If you need more features, shopping cart services like Shopify give one-stop solutions at reasonable prices. PayPal is okay, but not the best solution for all businesses. It depends on the features and integrations you’re looking for.

    Hope this helps!

    This comment refers to an earlier version of this review and may be outdated.

    Susan Hartley

    Hey Tom,

    I have a been selling craft items on Ebay for about two years. Pretty low volume, usually between 10-30 dollars per sale. I also had a website set up with Go Daddy but never spent much time trying to drive traffic to it so I canceled it just recently.

    I have been trying to find software or a CC processor which would allow me to sell on Facebook without having my own website set up. I saw the information about Square offering on-line selling. Does this allow me to list and sell products (similar to an ecommerce web site) without paying for a stand alone website. Do any of the other providers offer anything similar? I really don’t need the mobile application of these CC providers since all my sales are on-line. Thanks for your help, as you can see I am really confused…

    Susan

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Susan,

    Square would allow you to set up an online storefront with no monthly fee. (Some shopping cart services also provide this with no monthly fee.)

    Flint does not provide you with a storefront, but they do provide hosted payment pages. You can share these pages via social media or email for payment. Each product will have its own payment page.

    Both of these solutions have pros and cons. I’d say check them both out and see which suits your needs better. If you’d like a storefront, Square is better. If you want easily shareable payment pages, Flint is better. In terms of fees, Flint is usually less expensive.

    Good luck!

    This comment refers to an earlier version of this review and may be outdated.

    Julian

    Hi Tom,I've been an Ebay and PayPal user for man years. I usually only buy on Ebay and pay with PayPal, and it's always worked great when buying, but when it comes to selling, it is now a nightmare in getting your funds.PayPal now, instead of just acting like a processing company, is policing sales made on Ebay. I rarely sell on Ebay, but recently I've become aware of why so many sellers from Ebay dislike PayPal.When selling an item, PayPal will credit the seller's account, but will not make it available to the seller. Sure, the seller's account is credited immediately, but PayPal will not release the funds until AFTER PayPal has confirmed that the buyer received the item. Once PayPal can confirm this, then the funds are released which will take about 3 business days for your checking account to be credited.If PayPal is a processing company, they should credit the seller's account immediately and not make the seller wait sometimes as long as 18 days to credit an seller's account. I get that they are trying to minimize their exposure to risk, however if they are still that closely tied to Ebay, they should take into consideration the length the seller has been on Ebay and the feedback. Making a seller wait this long to get paid is ridiculous.Because PayPal polices the transaction instead of just processing it, they only get 2 stars from me.Thanks,Julian

    2

    This comment refers to an earlier version of this review and may be outdated.

    Ruth

    I’ve been using PayPal here for my artisan business at craft fairs for a while. We are opening a brick and mortar store and will be selling for several artisans. I set up a PPH business account. My intent was to set up the consignors in the ‘catalog’ as items so reports could be run based on the individual consignor to figure their payments, taxes etc each month. I’ve set up a couple in the catalog as items, with options like home decor etc. They show up in the app when running daily stuff and receipts, but when I run the CSV or PDF downloads the Item title and Item ID columns remain blank. Any ideas about how I can set this up with PPH business? Appreciate any help you can offer.

    This comment refers to an earlier version of this review and may be outdated.

    Michelle

    Hi Tom!

    I’m opening an paint and wine studio/local art boutique and am looking for a new credit processor. I initially was drawn to Square. I like having the i-phone/i-pad platform. What I don’t like is their lack of any customer information data. I’m looking for a processor that will connect with a CRM platform. Any thoughts? I’m trying to be as efficient as I can be as a small business owner with a limited budget and time.

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Michelle,

    Square actually does have some CRM features built in (see here). They have a free version that is included automatically, and you can pay $15 monthly (per 500 customers) for a few extra features. So check that out and see if it has the features you’re looking for.

    Unfortunately I don’t believe that they have an export feature that would allow you to bring data from Square to a different CRM software. They have a few integrations available currently, but none for dedicated CRM. This is something worth considering, because it means that if you decide to switch CRM software later on, you’ll have to transfer everything manually (unless they change this).

    Otherwise, you have a ton of iPad/mobile POS options aside from Square, most of which have some CRM built in. You will have to get the payment processing separately (you might consider Payment Depot or Payline Data). This would also leave you with more CRM options.

    Using Square would definitely be the least expensive option. A similar option that could keep costs low would be to pair PayPal Here with Vend POS. That’s one of my go-to Square alternatives for users who need more features but don’t want to sign up for a merchant account.

    Hope this helps. Feel free to reach out if you have any other questions.

    -Tom

    This comment refers to an earlier version of this review and may be outdated.

    Christine A.

    Hi Tom,

    I would love your help. I volunteer with a non-profit athletic booster club for a high school. We were recently burned by using Flagship Merchant Services. Don’t even want to tell you how much our organization lost with them…so we’re looking for a better alternative for accepting credit card payments. Our group sells spirit wear at football games and at a few other events throughout the year, offers concessions throughout the year, and invites people to become members. We are working on creating a website and we have a Facebook page. We would like people to have the ability to purchase from us or become members in person or over the internet. Which credit card processing company do you suggest? Thank you for your help!

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Christine,

    I remember reading your comment on the Flagship review a little while ago. It sounds like they should have referred you to a different payment solution, but instead set you up with an overly expensive account. I really hope that you were able to get some portion of a refund from them.

    I can guarantee you that we can find a better option that will have no risk of overcharging you. It sounds like you won’t be processing more than $3000 per week, and that you may have parts of the year where you process a very small volume. I would recommend that you check out Flint Mobile first and foremost. They have absolutely NO monthly fees. You are only charged a percentage of each transaction. The app allows you to accept payments in-person, and they have other tools that allow you to easily create payment buttons for your website, or payment pages that you can share on Facebook. It’s a great service that I have personally recommended to family and friends.

    The only thing to be aware of is Flint’s processing limits. They are fairly low by default. For many small businesses, this is not a problem. If you need higher limits, you’ll have to submit a request. Usually they are able to raise your limits if needed. If they cannot accommodate the volume you need, then you should check out Payline Data. They have a more complicated pricing structure and feature-set, but they will be able to set you up with higher limits if Flint is unable to.

    Hope this helps. Please come back if you have any other questions.

    Good luck,
    Tom

    This comment refers to an earlier version of this review and may be outdated.

    Kat

    This was a great read. I do have a question though as I can't seem to find a solid answer on this. I am an artist/leatherworker and am looking to step out into the big bad world at a comic convention next year. I'd love to take Credit and Debit payments. Would you recommend PayPalHere for that or something else? I only plan to operate once a year and could process anywhere from $10 (I sure hope not!) - $3000 (I sure hope so 😉 ) in that one day. I do not currently have a smartphone, just an ipod touch but I plan to get one soon. Would love any input or directions you can point me with. I really love this article!

    5

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Kat,

    If you’re only using it once (or even a handful of times) per year, you definitely want to use a system that doesn’t charge a monthly fee and won’t charge extra for hardware or software related to mobile processing, which leaves you with a few good options.

    Since your needs are so simple, my top recommendation would be Flint Mobile. The app should absolutely work on an iPod Touch running iOS 6.0 or higher, and will work with most smartphones (no app has perfect compatibility across all Android devices, but Flint does pretty well). If your device does not have data access, you will have to make sure that you have a wifi connection. Data or wifi must be present to process transaction through most apps. The default weekly processing limit with Flint is $3000. The default per-transaction limit is $750. You can apply for higher limits if needed. There is no daily limit, so you can process up to $3000 in one day by default.

    PayPal Here is a good secondary option. It may end up being slightly more expensive (because there isn’t a lower debit rate like with Flint), but you have the benefit of a recognizable brand and PayPal acceptance. Flint’s accounts are generally more reliable, but PayPal does alright, especially is you have an existing PayPal selling account.

    Hope this helps! Good luck.
    -Tom

    This comment refers to an earlier version of this review and may be outdated.

    Abe Nakamura

    Hi Tom,

    Thank you for your helpful review. Looking through the comments, it seems like you have a good grasp of many credit card reader providers so I was wondering if you could help me with figuring out what to use.

    I am business manager for one of my college’s choirs and would like to have a credit card reader to increase sales at our concerts. Most of our concerts are away from our campus so most of the transaction will occur without internet. Therefore, I will need to have a card reader that will still work in that condition.
    Also, the college doesn’t allow student groups to make bank accounts for their clubs. So, I will be linking my bank account to whatever service I am using, withdrawing that money, and depositing with the college. But then since the business manager of the choir changes almost every year, we would need to be able to change what bank account is linked for depositing.
    Is it possible to get a credit card swiper of some sort that can meet these conditions?

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Abe,

    Glad to help.

    Merchant accounts and payment processing services like these are unfortunately not transferable, so if you left a new account would have to be created.

    There are risks involved with linking your personal finances to this account. You become personally liable for anything that happens with the transactions. For this reason, I don’t generally recommend it. Ideally the choir would have its own tax identification number and bank account, or could use an account and ID number associated with the department or college itself.

    Assuming that is not possible and that you are willing to take on the personal financial risks involved, your best option currently on the market is Square. That will be the least expensive option (no monthly fee), and one of the few that allows offline processing.

    When you leave the position, DO NOT simply change the bank account information over to the next manager. The account itself is linked to you personally regardless of which bank account is linked, so it is very important that the account is closed, and a new one is created in the name of the new business manager, if he or she chooses to agree to the terms.

    Hope this helps!
    Tom

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!!

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    lisa

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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    Hope Lay

    Hi, Tom. I was hoping you could advise me on which credit card system I should go with. The main part of our small business is turning carpet into area rugs, cutting and binding them to a certain size. Most of our client base is wholesale, so they pay by check. A few of those ask to pay by credit card every now and then over the phone. The remaining client base is the personal consumer. We call to let them know we are delivering and often they ask to pay on the phone. Other times they are at home when we deliver so we could take a card then. Finally, customers do come into our workshop from time to time to pick up their rugs. Sometimes they show up not knowing we do not process cards. So, I have to trust they will mail me payment. I would say I get a handful of customers each week asking if I can take a credit card. Hardly ever are they over a few hundred dollars. My office is in my house, hence my computer is in the house. We do not have any computers in the workshop. So I would probably have to use my cell phone for cards most of the time when in the workshop or delivering to customers. The rest of the time I could process it on my computer in the office. Long-winded, I’m sure. We are a really unique business, so I wanted to try and explain everything. I would really appreciate your input! Thank you.

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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?

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    helen

    Are you the official complaints department for paypal here?

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    3

    This comment refers to an earlier version of this review and may be outdated.

    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?

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    Sharon

    I am a Family Therapist in private practice who is looking at accepting credit/debit cards. For most of the transactions, the card will be present. For some (supervisee in another state), it will not be present. I do have a website so could process the latter via the website. What do you recommend?
    [I read your information on Flint and on PPH.]

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Sharon,

    PPH is a good option but I would also recommend Square.

    This comment refers to an earlier version of this review and may be outdated.

    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.

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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?

    5

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!

    4

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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...

    5

    This comment refers to an earlier version of this review and may be outdated.

    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!!!!

    1

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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….

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    trina

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

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    1

    This comment refers to an earlier version of this review and may be outdated.

    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!

    This comment refers to an earlier version of this review and may be outdated.

    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

    This comment refers to an earlier version of this review and may be outdated.

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