# PayPal Payments vs Zoho Checkout 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. One user mentioned the convenience of the auto bank transfer feature, making transactions seamless.
- **Users say** that Zoho Checkout provides reliable customer support, available 24/7, which is a significant advantage for those who may encounter issues. Reviewers appreciate the readiness of support staff to assist when needed, enhancing the overall user experience.
- **According to verified reviews** , PayPal Payments stands out for its quick implementation process. Users have noted that setting up the service is straightforward, with one reviewer stating, "Setting up PayPal Payments was also very easy," which is crucial for businesses looking to start accepting payments quickly.
- **Reviewers mention** that while Zoho Checkout integrates well with the Zoho One platform, it may not be as universally recognized as PayPal. Users have expressed that the familiarity of PayPal makes it easier to recommend to clients, especially those outside their country.
- **G2 reviewers highlight** that PayPal Payments has a significantly higher overall satisfaction score compared to Zoho Checkout, reflecting its strong market presence and user trust. Users appreciate the quick money transfer capabilities, with one stating, "It's super quick in money transfer & super easy just email."
- **Users report** that while Zoho Checkout offers customizable payment options, it may not match the extensive features and integrations available with PayPal Payments. One user noted the ease of configuring subscription payments with Zoho, but others feel that PayPal's broader acceptance and integration capabilities give it an edge.



| | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.3 out of 5 | 
| **Total Reviews** | 2,744 | 11 | 
| **Largest Market Segment** | Small-Business (64.8% of reviews) | Small-Business (63.6% of reviews) | 
| **Entry Level Price** | $0 per month | No pricing available | 

---
## Top Pros & Cons

### PayPal Payments

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

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

### Zoho Checkout

**Not enough data**

---
## Ratings Comparison
| Rating | PayPal Payments | Zoho Checkout | 
|---|---|---|
  | **Meets Requirements** | 9.0 (2229 reviews) | 9.0 (7 reviews) | 
  | **Ease of Use** | 9.1 (2260 reviews) | 8.3 (7 reviews) | 
  | **Ease of Setup** | 8.9 (720 reviews) | Not enough data | 
  | **Ease of Admin** | 8.4 (330 reviews) | Not enough data | 
  | **Quality of Support** | 8.3 (2105 reviews) | 6.9 (7 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (327 reviews) | Not enough data | 
  | **Product Direction (% positive)** | 8.3 (2198 reviews) | 8.3 (7 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

### Zoho Checkout

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.7/10 | 2089 |
| **Zoho Checkout** | 8.7/10 | 8 |

#### Payment Options

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | 8.0 (5 reviews) | 
| **Recurring Billing** | Feature Not Available | 8.6 (7 reviews) | 
| **Instant Payment** | 9.0 (1616 reviews) | 8.9 (6 reviews) | 
| **Accepted Credit Cards and Debit Cards** | 9.2 (1631 reviews) | 8.6 (7 reviews) | 
| **ACH Payments and eCheck Processing** | 8.4 (1178 reviews) | Not enough data | 
| **Split Payments** | 8.4 (1110 reviews) | Not enough data | 
| **Real-Time Payments** | Feature Not Available | 8.3 (5 reviews) | 
| **Multi-Currency** | 9.0 (610 reviews) | Not enough data | 
| **Online payment portal** | 9.1 (628 reviews) | Not enough data | 

#### Administration

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Reporting/Dashboards** | Feature Not Available | 9.0 (7 reviews) | 
| **User, Role, and Access Management** | Feature Not Available | 8.8 (7 reviews) | 
| **Payout Time** | 8.5 (1523 reviews) | 8.3 (7 reviews) | 
| **Manual Payment Entry** | 8.6 (1364 reviews) | 8.3 (7 reviews) | 
| **Dispute Resolution** | Feature Not Available | 9.3 (5 reviews) | 
| **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 | Zoho Checkout | 
|---|---|---|
| **PCI Compliance** | 8.6 (646 reviews) | Not enough data | 
| **Fraud Protection Tools** | Feature Not Available | 8.9 (6 reviews) | 
| **Data Tokenization** | 8.7 (1170 reviews) | 8.3 (5 reviews) | 
| **Two-Factor Authentication** | 8.8 (1362 reviews) | 8.6 (6 reviews) | 
| **POS Verification** | 8.7 (480 reviews) | Not enough data | 

#### Development

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.4 (1290 reviews) | 8.6 (7 reviews) | 
| **APIs** | Feature Not Available | 8.3 (7 reviews) | 
| **Accounting Software Integration** | 8.5 (1109 reviews) | 8.7 (5 reviews) | 
| **E-Commerce Software Integration** | 8.7 (1208 reviews) | 9.2 (6 reviews) | 

#### Platform

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Performance and Reliability** | 8.9 (1473 reviews) | 9.2 (6 reviews) | 
| **Internationalization - Currency/Language** | 8.9 (1351 reviews) | 9.3 (5 reviews) | 
| **Internationalization - Operating Country** | 8.9 (1330 reviews) | 9.7 (5 reviews) | 
| **API / Integrations** | 8.7 (1083 reviews) | 8.9 (6 reviews) | 
| **PCI Regulation Compliance** | 8.6 (1073 reviews) | 8.3 (5 reviews) | 
| **Supplemental Technology** | Feature Not Available | Not enough data | 
| **Accounting integration** | 8.6 (475 reviews) | Not enough data | 
| **E-commerce Integration** | 8.8 (505 reviews) | Not enough data | 

#### Agentic AI - Payment Gateways

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **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 | 

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

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

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

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **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 | Zoho Checkout | 
|---|---|---|
| **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 | Zoho Checkout | 
|---|---|---|
| **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 | 798 |
| **Zoho Checkout** | N/A | N/A |

#### Payment Processing

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Encryption** | 9.3 (271 reviews) | Not enough data | 
| **Credit Card Processing** | 9.1 (236 reviews) | Not enough data | 
| **Mobile Payments** | 9.3 (248 reviews) | Not enough data | 
| **Digital Wallet Integration** | 9.2 (253 reviews) | Not enough data | 

#### Administration

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Reporting & Analytics** | 9.0 (227 reviews) | Not enough data | 
| **E-commerce Integration** | 9.1 (238 reviews) | Not enough data | 
| **Processing Fees** | 7.4 (287 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 | Zoho Checkout | 
|---|---|---|
| **Multi-Currency** | 9.0 (610 reviews) | Not enough data | 
| **Online payment portal** | 9.1 (628 reviews) | Not enough data | 

#### Security

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

#### Platform

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Accounting integration** | 8.6 (475 reviews) | Not enough data | 
| **E-commerce Integration** | 8.8 (505 reviews) | Not enough data | 

### Payments Orchestration

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

#### Architecture

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

### SAP Store

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

#### Agentic AI - SAP Store

| Feature | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **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 | 

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

**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), [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)



---
## Reviewer Demographics

### By Company Size

| Segment | PayPal Payments | Zoho Checkout | 
|---|---|---|
| **Small-Business** | 64.8% | 63.6% | 
| **Mid-Market** | 23.1% | 36.4% | 
| **Enterprise** | 12.1% | 0% | 

### By Industry

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Computer Software:** 6.7%
- **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%

#### Zoho Checkout

- **Photography:** 9.1%
- **Mechanical or Industrial Engineering:** 9.1%
- **Marketing and Advertising:** 9.1%
- **Market Research:** 9.1%
- **Leisure, Travel & Tourism:** 9.1%
- **Legal Services:** 9.1%
- **Information Technology and Services:** 9.1%
- **Food & Beverages:** 9.1%
- **Education Management:** 9.1%
- **Construction:** 9.1%
- **Other:** 9.1%

---
## Alternatives

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 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)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.9/5 stars (39 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 (282 reviews)

### Alternatives to Zoho Checkout

- [Razorpay](https://www.g2.com/products/razorpay/reviews) — 4.2/5 stars (121 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (282 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)
- [Authorize.net](https://www.g2.com/products/authorize-net/reviews) — 4.2/5 stars (219 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Borderless AI](https://www.g2.com/products/borderless-ai/reviews) — 4.9/5 stars (156 reviews)
- [Apple Pay for merchants](https://www.g2.com/products/apple-pay-for-merchants/reviews) — 4.7/5 stars (138 reviews)
- [NMI Gateway](https://www.g2.com/products/nmi-gateway/reviews) — 4.7/5 stars (105 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"

### Zoho Checkout

No discussions available for this product.

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