# PayPal Payments vs Spreedly Comparison
---
## AI Generated Summary
- **G2 reviewers report** that PayPal Payments excels in user experience, with many users highlighting its **ease of use** for collecting payments and transferring money efficiently. The auto bank transfer feature is particularly praised for its convenience, making transactions seamless.
- **Users say** that Spreedly offers excellent support, with quick and detailed responses that create a friendly atmosphere. This level of customer service is a significant advantage for users who value responsive assistance during their payment processing journey.
- **Reviewers mention** that PayPal Payments has a strong market presence, making it a universal choice for many. Users appreciate that a large number of clients already have PayPal accounts, which simplifies the onboarding process for new customers.
- **According to verified reviews** , Spreedly shines in its ability to integrate multiple gateways quickly and securely, which is a powerful feature for businesses needing flexibility in their payment processing. Users find this centralized vault approach beneficial for managing various payment options.
- **G2 reviewers highlight** that PayPal Payments has a significantly higher volume of recent reviews, indicating a more active user base and up-to-date feedback. This suggests that potential users can expect a well-supported and continuously improving platform.
- **Users report** that while PayPal Payments has a lower score in terms of support quality compared to Spreedly, it still provides a reliable service with features like instant payment processing and a robust online payment portal, which are essential for day-to-day operations.



| | PayPal Payments | Spreedly | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.4 out of 5 | 
| **Total Reviews** | 2,743 | 34 | 
| **Largest Market Segment** | Small-Business (64.8% of reviews) | Mid-Market (54.5% of reviews) | 
| **Entry Level Price** | $0 per month | Contact Us Per Year | 

---
## Top Pros & Cons

### PayPal Payments

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

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

### Spreedly

Pros:
- Payment Processing (2 reviews)
- Customer Support (1 reviews)

Cons:
- Expensive (3 reviews)
- Excessive Fees (2 reviews)

---
## Ratings Comparison
| Rating | PayPal Payments | Spreedly | 
|---|---|---|
  | **Meets Requirements** | 9.0 (2230 reviews) | 9.3 (22 reviews) | 
  | **Ease of Use** | 9.1 (2261 reviews) | 8.8 (25 reviews) | 
  | **Ease of Setup** | 8.9 (721 reviews) | 8.3 (19 reviews) | 
  | **Ease of Admin** | 8.4 (330 reviews) | 8.8 (12 reviews) | 
  | **Quality of Support** | 8.3 (2106 reviews) | 9.1 (21 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (327 reviews) | 9.5 (13 reviews) | 
  | **Product Direction (% positive)** | 8.3 (2199 reviews) | 8.9 (21 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

### Spreedly

#### Entry-Level Pricing

Plan: Enterprise

Price: Contact Us Per Year

Description: All of our Enterprise plans include the following:

Key Features:
- Unlimited Secure Card Storage
- Access to 120+ Supported Gateways
- Add a Qualified PMD End Point

[Learn more about Spreedly](https://www.g2.com/products/spreedly/reviews)

#### Free Trial

Yes

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.7/10 | 2087 |
| **Spreedly** | 8.6/10 | 20 |

#### Payment Options

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | 7.5 (10 reviews) | 
| **Recurring Billing** | Feature Not Available | 8.8 (13 reviews) | 
| **Instant Payment** | 9.0 (1616 reviews) | 9.0 (12 reviews) | 
| **Accepted Credit Cards and Debit Cards** | 9.2 (1630 reviews) | 9.4 (16 reviews) | 
| **ACH Payments and eCheck Processing** | 8.4 (1178 reviews) | 8.7 (9 reviews) | 
| **Split Payments** | 8.4 (1111 reviews) | 8.2 (10 reviews) | 
| **Real-Time Payments** | Feature Not Available | 9.1 (13 reviews) | 
| **Multi-Currency** | 9.0 (610 reviews) | 8.5 (8 reviews) | 
| **Online payment portal** | 9.1 (628 reviews) | 8.3 (10 reviews) | 

#### Administration

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Reporting/Dashboards** | Feature Not Available | 7.9 (13 reviews) | 
| **User, Role, and Access Management** | Feature Not Available | 8.6 (12 reviews) | 
| **Payout Time** | 8.5 (1523 reviews) | 8.3 (11 reviews) | 
| **Manual Payment Entry** | 8.6 (1365 reviews) | 8.5 (9 reviews) | 
| **Dispute Resolution** | Feature Not Available | 8.7 (10 reviews) | 
| **Omnichannel** | 8.6 (497 reviews) | 8.3 (10 reviews) | 
| **Levels 1 & 2** | 8.5 (479 reviews) | 8.5 (9 reviews) | 
| **Level 3** | 8.4 (466 reviews) | 8.3 (9 reviews) | 

#### Security

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **PCI Compliance** | 8.6 (648 reviews) | 9.5 (13 reviews) | 
| **Fraud Protection Tools** | Feature Not Available | 8.6 (11 reviews) | 
| **Data Tokenization** | 8.7 (1171 reviews) | 9.4 (12 reviews) | 
| **Two-Factor Authentication** | 8.8 (1362 reviews) | 9.3 (9 reviews) | 
| **POS Verification** | 8.7 (483 reviews) | 7.9 (8 reviews) | 

#### Development

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.4 (1291 reviews) | 8.3 (13 reviews) | 
| **APIs** | Feature Not Available | 8.9 (15 reviews) | 
| **Accounting Software Integration** | 8.5 (1110 reviews) | 8.1 (9 reviews) | 
| **E-Commerce Software Integration** | 8.7 (1209 reviews) | 8.6 (12 reviews) | 

#### Platform

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Performance and Reliability** | 8.9 (1474 reviews) | 8.8 (15 reviews) | 
| **Internationalization - Currency/Language** | 8.9 (1351 reviews) | 9.2 (12 reviews) | 
| **Internationalization - Operating Country** | 8.9 (1330 reviews) | 8.5 (12 reviews) | 
| **API / Integrations** | 8.7 (1085 reviews) | 9.2 (14 reviews) | 
| **PCI Regulation Compliance** | 8.6 (1075 reviews) | 9.5 (14 reviews) | 
| **Supplemental Technology** | Feature Not Available | 8.2 (10 reviews) | 
| **Accounting integration** | 8.6 (478 reviews) | 8.3 (9 reviews) | 
| **E-commerce Integration** | 8.8 (506 reviews) | 8.1 (9 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Autonomous Task Execution** | 9.1 (71 reviews) | Not enough data | 
| **Cross-system Integration** | 8.9 (70 reviews) | Not enough data | 
| **Decision Making** | 8.8 (70 reviews) | Not enough data | 

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

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.1/10 | 221 |
| **Spreedly** | N/A | N/A |

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

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Email Notifications** | 9.1 (188 reviews) | Not enough data | 
| **Invoicing** | 9.1 (181 reviews) | Not enough data | 
| **Customer Portal** | 8.9 (186 reviews) | Not enough data | 
| **Loyalty Management** | 8.7 (173 reviews) | Not enough data | 

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

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Payment Gateway** | 9.0 (190 reviews) | Not enough data | 
| **Payment Tracking** | 8.9 (188 reviews) | Not enough data | 
| **E-commerce Integration** | 9.0 (174 reviews) | Not enough data | 
| **Payment Scheduling** | 8.9 (178 reviews) | Not enough data | 

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

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Adaptive Learning** | 9.5 (38 reviews) | Not enough data | 
| **Proactive Assistance** | 9.3 (38 reviews) | Not enough data | 
| **Decision Making** | 9.4 (38 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.8/10 | 796 |
| **Spreedly** | 8.4/10 | 11 |

#### Payment Processing

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Encryption** | 9.3 (273 reviews) | 8.9 (6 reviews) | 
| **Credit Card Processing** | 9.1 (239 reviews) | 9.4 (6 reviews) | 
| **Mobile Payments** | 9.3 (249 reviews) | 8.9 (6 reviews) | 
| **Digital Wallet Integration** | 9.2 (255 reviews) | 8.9 (6 reviews) | 

#### Administration

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Reporting & Analytics** | 9.0 (230 reviews) | 8.3 (6 reviews) | 
| **E-commerce Integration** | 9.1 (239 reviews) | 8.9 (6 reviews) | 
| **Processing Fees** | 7.4 (288 reviews) | 7.8 (6 reviews) | 
| **POS Integration** | 8.9 (212 reviews) | Not enough data | 
| **Omnichannel** | 8.6 (497 reviews) | 8.3 (10 reviews) | 
| **Levels 1 & 2** | 8.5 (479 reviews) | 8.5 (9 reviews) | 
| **Level 3** | 8.4 (466 reviews) | 8.3 (9 reviews) | 

#### Payment Options

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Multi-Currency** | 9.0 (610 reviews) | 8.5 (8 reviews) | 
| **Online payment portal** | 9.1 (628 reviews) | 8.3 (10 reviews) | 

#### Security

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **POS Verification** | 8.7 (483 reviews) | 7.9 (8 reviews) | 

#### Platform

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Accounting integration** | 8.6 (478 reviews) | 8.3 (9 reviews) | 
| **E-commerce Integration** | 8.8 (506 reviews) | 8.1 (9 reviews) | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 9.3/10 | 65 |
| **Spreedly** | N/A | N/A |

#### Architecture

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Unified API** | 9.2 (49 reviews) | Not enough data | 
| **POL** | 9.1 (48 reviews) | Not enough data | 
| **Integrations** | 9.5 (51 reviews) | Not enough data | 

#### Processing

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Validation** | 9.4 (51 reviews) | Not enough data | 
| **Automation** | 9.4 (51 reviews) | Not enough data | 
| **Cross Border** | 9.3 (50 reviews) | Not enough data | 
| **Routing** | 9.5 (50 reviews) | Not enough data | 
| **Reconciliation** | 9.5 (50 reviews) | Not enough data | 

#### Risk & Compliance

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Failed payments** | 9.1 (48 reviews) | Not enough data | 
| **Tokenization** | 9.2 (50 reviews) | Not enough data | 
| **Compliance** | 9.4 (50 reviews) | Not enough data | 

#### Analytics

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Consolidation** | 9.3 (50 reviews) | Not enough data | 
| **Optimization** | 9.4 (50 reviews) | Not enough data | 
| **Fraud** | 9.0 (50 reviews) | Not enough data | 

#### Agentic AI - Payments Orchestration

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Autonomous Task Execution** | 9.5 (41 reviews) | Not enough data | 
| **Cross-system Integration** | 9.6 (41 reviews) | Not enough data | 

### Embedded Payments

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

#### Payments - Embedded Payments

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

### SAP Store

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

#### Agentic AI - SAP Store

| Feature | PayPal Payments | Spreedly | 
|---|---|---|
| **Autonomous Task Execution** | 9.7 (18 reviews) | Not enough data | 
| **Multi-step Planning** | 9.7 (18 reviews) | Not enough data | 
| **Cross-system Integration** | 9.8 (18 reviews) | Not enough data | 
| **Adaptive Learning** | 9.8 (18 reviews) | Not enough data | 
| **Natural Language Interaction** | 9.9 (18 reviews) | Not enough data | 
| **Proactive Assistance** | 9.8 (18 reviews) | Not enough data | 
| **Decision Making** | 9.9 (18 reviews) | Not enough data | 

---
## Categories
**Shared Categories (3):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to PayPal Payments (2):** [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)

**Unique to Spreedly (1):** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments)


---
## Reviewer Demographics

### By Company Size

| Segment | PayPal Payments | Spreedly | 
|---|---|---|
| **Small-Business** | 64.8% | 39.4% | 
| **Mid-Market** | 23.0% | 54.5% | 
| **Enterprise** | 12.2% | 6.1% | 

### By Industry

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Marketing and Advertising:** 6.7%
- **Computer Software:** 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:** 2.2%
- **Other:** 58.1%

#### Spreedly

- **Computer Software:** 24.2%
- **Financial Services:** 15.2%
- **Information Technology and Services:** 12.1%
- **Restaurants:** 6.1%
- **Non-Profit Organization Management:** 6.1%
- **Banking:** 6.1%
- **Manufacturing:** 3.0%
- **Telecommunications:** 3.0%
- **Sports:** 3.0%
- **Retail:** 3.0%
- **Other:** 18.2%

---
## Alternatives

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 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 (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.8/5 stars (36 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 (282 reviews)

### Alternatives to Spreedly

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4060 reviews)
- [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (1995 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (974 reviews)
- [Karbon](https://www.g2.com/products/karbon-2025-03-03/reviews) — 4.8/5 stars (825 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)
- [Shopify POS](https://www.g2.com/products/shopify-shopify-pos/reviews) — 4.4/5 stars (367 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"

### Spreedly

- Title: [What does Spreedly do?](https://www.g2.com/discussions/what-does-spreedly-do) — 1 comment
  > **Top comment:** "Tens of thousands of global businesses depend on our robust payment orchestration platform, diverse ecosystem of services, and unmatched market perspective..."
- Title: [Call back](https://www.g2.com/discussions/call-back) — 1 comment, 1 upvote
  > **Top comment:** "Thanks so much, Sophia -- would you mind sending your contact information to success@spreedly.com?"

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