# PayPal Payments vs Stax Comparison
---
## AI Generated Summary
- **G2 reviewers report** that PayPal Payments excels in its **ease of use** , with many users highlighting its straightforward interface for collecting payments and transferring money. The auto bank transfer feature is particularly praised for its convenience, making transactions seamless.
- **Users say** that Stax stands out for its **rich feature set** tailored for ecommerce integration. Reviewers appreciate its support for credit card processing and the absence of long-term contracts, which adds flexibility for businesses looking for reliable payment solutions.
- **According to verified reviews** , PayPal Payments is recognized for its **global reach** , as many users find it easy to recommend to clients worldwide due to the widespread use of PayPal accounts. This universal appeal is a significant advantage for businesses operating in diverse markets.
- **Reviewers mention** that Stax offers **competitive pricing** with access to wholesale credit card processing fees and no monthly subscription costs, making it an attractive option for small businesses looking to optimize their payment processing expenses.
- **G2 reviewers highlight** that while PayPal Payments has a solid reputation, it sometimes faces challenges in **customization** to meet specific workflow needs, with some users noting configuration difficulties that could hinder their experience.
- **Users appreciate** Stax's **exceptional customer support** , with many recent reviews praising the responsiveness and helpfulness of their service team, which enhances the overall user experience and provides peace of mind for businesses relying on their payment solutions.



| | PayPal Payments | Stax | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.9 out of 5 | 
| **Total Reviews** | 2,743 | 11 | 
| **Largest Market Segment** | Small-Business (64.8% of reviews) | Small-Business (100.0% of reviews) | 
| **Entry Level Price** | $0 per month | $99.00 Per Month | 

---
## Top Pros & Cons

### PayPal Payments

Pros:
- Ease of Use (357 reviews)
- Easy Payments (252 reviews)

Cons:
- High Fees (177 reviews)
- Expensive (157 reviews)

### Stax

**Not enough data**

---
## Ratings Comparison
| Rating | PayPal Payments | Stax | 
|---|---|---|
  | **Meets Requirements** | 9.0 (2229 reviews) | 9.6 (8 reviews) | 
  | **Ease of Use** | 9.1 (2260 reviews) | 10.0 (8 reviews) | 
  | **Ease of Setup** | 8.9 (720 reviews) | Not enough data | 
  | **Ease of Admin** | 8.4 (329 reviews) | Not enough data | 
  | **Quality of Support** | 8.3 (2105 reviews) | 9.5 (7 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (326 reviews) | Not enough data | 
  | **Product Direction (% positive)** | 8.3 (2197 reviews) | 10.0 (8 reviews) | 

---
## Pricing

### PayPal Payments

#### Entry-Level Pricing

Plan: On Website - Basic

Price: $0 per month

Key Features:
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment

[Browse all 3 editions](https://www.g2.com/products/paypal/pricing)

#### Free Trial

No

### Stax

#### Entry-Level Pricing

Plan: Stax Pay

Price: $99.00 Per Month

Description: Your Stax Pay subscription grants unlimited access to the direct cost of interchange rates. Enjoy merchant processing plans starting at $99 per month (based on volume).

Key Features:
- Unlimited 0% Markup Processing
- ACH Processing
- Free Surcharging Capabilities

[Learn more about Stax](https://www.g2.com/products/fattmerchant-stax/reviews)

#### Free Trial

No

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.7/10 | 2092 |
| **Stax** | N/A | N/A |

#### Payment Options

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | Not enough data | 
| **Recurring Billing** | Feature Not Available | Not enough data | 
| **Instant Payment** | 9.0 (1615 reviews) | Not enough data | 
| **Accepted Credit Cards and Debit Cards** | 9.2 (1630 reviews) | Not enough data | 
| **ACH Payments and eCheck Processing** | 8.4 (1177 reviews) | Not enough data | 
| **Split Payments** | 8.4 (1109 reviews) | Not enough data | 
| **Real-Time Payments** | Feature Not Available | Not enough data | 
| **Multi-Currency** | 9.0 (610 reviews) | Not enough data | 
| **Online payment portal** | 9.1 (628 reviews) | Not enough data | 

#### Administration

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Reporting/Dashboards** | Feature Not Available | Not enough data | 
| **User, Role, and Access Management** | Feature Not Available | Not enough data | 
| **Payout Time** | 8.5 (1522 reviews) | Not enough data | 
| **Manual Payment Entry** | 8.6 (1363 reviews) | Not enough data | 
| **Dispute Resolution** | Feature Not Available | Not enough data | 
| **Omnichannel** | 8.6 (494 reviews) | Not enough data | 
| **Levels 1 & 2** | 8.5 (477 reviews) | Not enough data | 
| **Level 3** | 8.4 (463 reviews) | Not enough data | 

#### Security

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **PCI Compliance** | 8.6 (646 reviews) | Not enough data | 
| **Fraud Protection Tools** | Feature Not Available | Not enough data | 
| **Data Tokenization** | 8.7 (1169 reviews) | Not enough data | 
| **Two-Factor Authentication** | 8.8 (1361 reviews) | Not enough data | 
| **POS Verification** | 8.7 (480 reviews) | Not enough data | 

#### Development

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.4 (1289 reviews) | Not enough data | 
| **APIs** | Feature Not Available | Not enough data | 
| **Accounting Software Integration** | 8.5 (1108 reviews) | Not enough data | 
| **E-Commerce Software Integration** | 8.7 (1207 reviews) | Not enough data | 

#### Platform

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Performance and Reliability** | 8.9 (1472 reviews) | Not enough data | 
| **Internationalization - Currency/Language** | 8.9 (1350 reviews) | Not enough data | 
| **Internationalization - Operating Country** | 8.9 (1329 reviews) | Not enough data | 
| **API / Integrations** | 8.7 (1082 reviews) | Not enough data | 
| **PCI Regulation Compliance** | 8.6 (1072 reviews) | Not enough data | 
| **Supplemental Technology** | Feature Not Available | Not enough data | 
| **Accounting integration** | 8.6 (475 reviews) | Not enough data | 
| **E-commerce Integration** | 8.9 (506 reviews) | Not enough data | 

#### Agentic AI - Payment Gateways

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Autonomous Task Execution** | 9.1 (69 reviews) | Not enough data | 
| **Cross-system Integration** | 8.8 (68 reviews) | Not enough data | 
| **Decision Making** | 8.8 (68 reviews) | Not enough data | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | N/A | N/A |
| **Stax** | N/A | N/A |

#### Payment Methods

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **ACH** | Not enough data | Not enough data | 
| **Credit and Debit** | Not enough data | Not enough data | 
| **Wire Transfer** | Not enough data | Not enough data | 

#### Payment Processing 

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Batch Processing** | Not enough data | Not enough data | 
| **Payments Scheduling** | Not enough data | Not enough data | 
| **Automated Workflows** | Not enough data | Not enough data | 
| **Self Service** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Settlements** | Not enough data | Not enough data | 
| **Payment Tracking** | Not enough data | Not enough data | 

#### Security and Compliance

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **PCI Compliant** | Not enough data | Not enough data | 
| **P2PE** | Not enough data | Not enough data | 
| **Fraud Management** | Not enough data | Not enough data | 
| **SSL Encryption** | Not enough data | Not enough data | 
| **SOX** | Not enough data | Not enough data | 
| **SOC** | Not enough data | Not enough data | 

#### Integration

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Agnostic Integration** | Not enough data | Not enough data | 
| **Reporting Consolidation** | Not enough data | Not enough data | 
| **Plugins and APIs** | Not enough data | Not enough data | 

#### Payment Types

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **AP Automation** | Not enough data | Not enough data | 
| **E-Commerce** | Not enough data | Not enough data | 
| **Retail** | Not enough data | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Feature Not Available | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.1/10 | 222 |
| **Stax** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Email Notifications** | 9.1 (186 reviews) | Not enough data | 
| **Invoicing** | 9.1 (179 reviews) | Not enough data | 
| **Customer Portal** | 8.9 (184 reviews) | Not enough data | 
| **Loyalty Management** | 8.7 (171 reviews) | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Payment Gateway** | 9.0 (188 reviews) | Not enough data | 
| **Payment Tracking** | 8.9 (186 reviews) | Not enough data | 
| **E-commerce Integration** | 9.0 (172 reviews) | Not enough data | 
| **Payment Scheduling** | 8.9 (176 reviews) | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Adaptive Learning** | 9.4 (36 reviews) | Not enough data | 
| **Proactive Assistance** | 9.3 (36 reviews) | Not enough data | 
| **Decision Making** | 9.4 (36 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.8/10 | 802 |
| **Stax** | 9.7/10 | 5 |

#### Payment Processing

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Encryption** | 9.3 (272 reviews) | Not enough data | 
| **Credit Card Processing** | 9.1 (236 reviews) | 10.0 (5 reviews) | 
| **Mobile Payments** | 9.3 (248 reviews) | Not enough data | 
| **Digital Wallet Integration** | 9.2 (255 reviews) | Not enough data | 

#### Administration

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Reporting & Analytics** | 9.0 (227 reviews) | 9.3 (5 reviews) | 
| **E-commerce Integration** | 9.1 (239 reviews) | Not enough data | 
| **Processing Fees** | 7.4 (288 reviews) | Not enough data | 
| **POS Integration** | 8.9 (209 reviews) | Not enough data | 
| **Omnichannel** | 8.6 (494 reviews) | Not enough data | 
| **Levels 1 & 2** | 8.5 (477 reviews) | Not enough data | 
| **Level 3** | 8.4 (463 reviews) | Not enough data | 

#### Payment Options

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Multi-Currency** | 9.0 (610 reviews) | Not enough data | 
| **Online payment portal** | 9.1 (628 reviews) | Not enough data | 

#### Security

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **POS Verification** | 8.7 (480 reviews) | Not enough data | 

#### Platform

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Accounting integration** | 8.6 (475 reviews) | Not enough data | 
| **E-commerce Integration** | 8.9 (506 reviews) | Not enough data | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.3/10 | 66 |
| **Stax** | N/A | N/A |

#### Architecture

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Unified API** | 9.1 (47 reviews) | Not enough data | 
| **POL** | 9.1 (46 reviews) | Not enough data | 
| **Integrations** | 9.5 (49 reviews) | Not enough data | 

#### Processing

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Validation** | 9.4 (49 reviews) | Not enough data | 
| **Automation** | 9.4 (49 reviews) | Not enough data | 
| **Cross Border** | 9.3 (48 reviews) | Not enough data | 
| **Routing** | 9.5 (48 reviews) | Not enough data | 
| **Reconciliation** | 9.5 (48 reviews) | Not enough data | 

#### Risk & Compliance

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Failed payments** | 9.1 (46 reviews) | Not enough data | 
| **Tokenization** | 9.2 (48 reviews) | Not enough data | 
| **Compliance** | 9.4 (48 reviews) | Not enough data | 

#### Analytics

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Consolidation** | 9.3 (48 reviews) | Not enough data | 
| **Optimization** | 9.4 (48 reviews) | Not enough data | 
| **Fraud** | 9.0 (48 reviews) | Not enough data | 

#### Agentic AI - Payments Orchestration

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Autonomous Task Execution** | 9.5 (39 reviews) | Not enough data | 
| **Cross-system Integration** | 9.5 (39 reviews) | Not enough data | 

### Embedded Payments

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | N/A | N/A |
| **Stax** | N/A | N/A |

#### Payments - Embedded Payments

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Processing** | Not enough data | Not enough data | 
| **Fraud Protection** | Not enough data | Not enough data | 
| **Payment Methods** | Not enough data | Not enough data | 

#### Personalization - Embedded Payments

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Customer Onboarding** | Not enough data | Not enough data | 
| **Checkout Customization** | Not enough data | Not enough data | 
| **Localization** | Not enough data | Not enough data | 
| **Merchant Portal** | Not enough data | Not enough data | 

#### Setup - Embedded Payments

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Payment Flows** | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | 
| **Dispute Management** | Not enough data | Not enough data | 

#### Analytics - Embedded Payments

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Transactions** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Revenue** | Not enough data | Not enough data | 

#### Agentic AI - Embedded Payments

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Feature Not Available | 

### SAP Store

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.8/10 | 19 |
| **Stax** | N/A | N/A |

#### Agentic AI - SAP Store

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Autonomous Task Execution** | 9.7 (17 reviews) | Not enough data | 
| **Multi-step Planning** | 9.7 (17 reviews) | Not enough data | 
| **Cross-system Integration** | 9.8 (17 reviews) | Not enough data | 
| **Adaptive Learning** | 9.8 (17 reviews) | Not enough data | 
| **Natural Language Interaction** | 9.9 (17 reviews) | Not enough data | 
| **Proactive Assistance** | 9.8 (17 reviews) | Not enough data | 
| **Decision Making** | 9.9 (17 reviews) | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | N/A | N/A |
| **Stax** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | PayPal Payments | Stax | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to PayPal Payments (4):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Stax (2):** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment)


---
## Reviewer Demographics

### By Company Size

| Segment | PayPal Payments | Stax | 
|---|---|---|
| **Small-Business** | 64.8% | 100.0% | 
| **Mid-Market** | 23.1% | 0% | 
| **Enterprise** | 12.1% | 0% | 

### By Industry

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Computer Software:** 6.8%
- **Marketing and Advertising:** 6.7%
- **Retail:** 5.4%
- **Internet:** 3.7%
- **Accounting:** 2.9%
- **Education Management:** 2.7%
- **Apparel & Fashion:** 2.3%
- **Financial Services:** 2.3%
- **Higher Education:** 2.1%
- **Other:** 58.1%

#### Stax

- **Accounting:** 22.2%
- **Wholesale:** 11.1%
- **Primary/Secondary Education:** 11.1%
- **Law Practice:** 11.1%
- **Health, Wellness and Fitness:** 11.1%
- **Food & Beverages:** 11.1%
- **Financial Services:** 11.1%
- **Construction:** 11.1%

---
## Alternatives

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (370 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (584 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (457 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews)
- [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (281 reviews)

### Alternatives to Stax

- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (457 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (584 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4160 reviews)
- [Thryv](https://www.g2.com/products/thryv/reviews) — 4.3/5 stars (2012 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1808 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (979 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (388 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (370 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (6080 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1959 reviews)

---
## Top Discussions

### PayPal Payments

- Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes
  > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private."
- Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes
  > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services."
- Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote
  > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/"
- Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote
  > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..."
- Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote
  > **Top comment:** "lal16877@gmail.com,reciev paypal"

### Stax

No discussions available for this product.

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/paypal-vs-fattmerchant-stax)