# PayPal Payments vs X-Payments Comparison

| | PayPal Payments | X-Payments | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 5.0 out of 5 | 
| **Total Reviews** | 2,743 | 1 | 
| **Largest Market Segment** | Small-Business (64.8% of reviews) | Small-Business (100.0% of reviews) | 
| **Entry Level Price** | $0 per month | Contact Us 10000 transactions Per Month | 

---
## Top Pros & Cons

### PayPal Payments

Pros:
- Ease of Use (473 reviews)
- Easy Payments (325 reviews)

Cons:
- High Fees (233 reviews)
- Expensive (195 reviews)

### X-Payments

**Not enough data**

---
## Ratings Comparison
| Rating | PayPal Payments | X-Payments | 
|---|---|---|
  | **Meets Requirements** | 9.0 (2231 reviews) | Not enough data | 
  | **Ease of Use** | 9.1 (2262 reviews) | Not enough data | 
  | **Ease of Setup** | 8.9 (722 reviews) | Not enough data | 
  | **Ease of Admin** | 8.4 (330 reviews) | Not enough data | 
  | **Quality of Support** | 8.3 (2107 reviews) | Not enough data | 
  | **Has the product been a good partner in doing business?** | 8.1 (327 reviews) | Not enough data | 
  | **Product Direction (% positive)** | 8.3 (2199 reviews) | Not enough data | 

---
## 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

### X-Payments

#### Entry-Level Pricing

Plan: Standard

Price: Contact Us 10000 transactions Per Month

Key Features:
- All features

[Learn more about X-Payments](https://www.g2.com/products/x-payments/reviews)

#### Free Trial

Yes

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **PayPal Payments** | 8.7/10 | 2090 |
| **X-Payments** | N/A | N/A |

#### Payment Options

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | Not enough data | 
| **Recurring Billing** | Feature Not Available | Not enough data | 
| **Instant Payment** | 9.0 (1616 reviews) | Not enough data | 
| **Accepted Credit Cards and Debit Cards** | 9.2 (1631 reviews) | Not enough data | 
| **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 | 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 | X-Payments | 
|---|---|---|
| **Reporting/Dashboards** | Feature Not Available | Not enough data | 
| **User, Role, and Access Management** | Feature Not Available | Not enough data | 
| **Payout Time** | 8.5 (1523 reviews) | Not enough data | 
| **Manual Payment Entry** | 8.6 (1364 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 | X-Payments | 
|---|---|---|
| **PCI Compliance** | 8.6 (646 reviews) | Not enough data | 
| **Fraud Protection Tools** | Feature Not Available | Not enough data | 
| **Data Tokenization** | 8.7 (1170 reviews) | Not enough data | 
| **Two-Factor Authentication** | 8.8 (1362 reviews) | Not enough data | 
| **POS Verification** | 8.7 (480 reviews) | Not enough data | 

#### Development

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.4 (1290 reviews) | Not enough data | 
| **APIs** | Feature Not Available | Not enough data | 
| **Accounting Software Integration** | 8.5 (1109 reviews) | Not enough data | 
| **E-Commerce Software Integration** | 8.7 (1208 reviews) | Not enough data | 

#### Platform

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **Performance and Reliability** | 8.9 (1473 reviews) | Not enough data | 
| **Internationalization - Currency/Language** | 8.9 (1351 reviews) | Not enough data | 
| **Internationalization - Operating Country** | 8.9 (1330 reviews) | Not enough data | 
| **API / Integrations** | 8.7 (1083 reviews) | Not enough data | 
| **PCI Regulation Compliance** | 8.6 (1073 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 | X-Payments | 
|---|---|---|
| **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 |
| **X-Payments** | N/A | N/A |

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

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 | 800 |
| **X-Payments** | N/A | N/A |

#### Payment Processing

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **Encryption** | 9.3 (272 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 (255 reviews) | Not enough data | 

#### Administration

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **Reporting & Analytics** | 9.0 (227 reviews) | Not enough data | 
| **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 | X-Payments | 
|---|---|---|
| **Multi-Currency** | 9.0 (610 reviews) | Not enough data | 
| **Online payment portal** | 9.1 (628 reviews) | Not enough data | 

#### Security

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

#### Platform

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **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 | 65 |
| **X-Payments** | N/A | N/A |

#### Architecture

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 | X-Payments | 
|---|---|---|
| **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 |
| **X-Payments** | N/A | N/A |

#### Agentic AI - SAP Store

| Feature | PayPal Payments | X-Payments | 
|---|---|---|
| **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 (2):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to PayPal Payments (3):** [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 | X-Payments | 
|---|---|---|
| **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%

#### X-Payments

- **Retail:** 100.0%

---
## 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 (452 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (42 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 X-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)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (281 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)
- [Paddle](https://www.g2.com/products/paddle/reviews) — 4.5/5 stars (237 reviews)
- [Authorize.net](https://www.g2.com/products/authorize-net/reviews) — 4.2/5 stars (219 reviews)
- [Recurly](https://www.g2.com/products/recurly/reviews) — 4.0/5 stars (211 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 (157 reviews)
- [Apple Pay for merchants](https://www.g2.com/products/apple-pay-for-merchants/reviews) — 4.7/5 stars (138 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"

### X-Payments

No discussions available for this product.

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