PayPal

Commentaires: I've never had a problem with Paypal personally or professionally. As a non-profit CEO, I love that we can just put a button on a website or give out our accounting e-mail addy when people ask where to send donations and they can do it right away. It's an easy way to sell any products or do fundraising events and not have to manually keep track of each transaction because PayPal keeps track of it all in one spot! Once, there was a charge that I didn't authorize, and they responded immediately and took care of it. I feel really safe using it.

Avantages: I feel safe using Paypal. It is so easy to transfer funds and also keep funds safe in a separate account besides banking or savings. The paypal credit is great for emergencies to not have to pay interest for 6 months, and the new paypal cash card is a great backup to access funds as needed from any ATM. I love that I have the option to transfer funds to other accounts, and have one resource I can use to pay with ANY of my accounts instead of having to type in numbers from so many different cards. The speed in which funds are transferred for free is very fast, but to also have the option to pay a small fee for a faster transfer is helpful in emergency situations especially. It is SO easy to use and funds are immediately available by simply typing in an e-mail addy or using a paypal.me link. It's a perfect one stop to combine so many accounts together, send and receive money, save money, pay securely online, and request money. I use it personally, as does my non-profit. It saves my non-profit a lot of money by not having to have a credit card machine we use through the bank! It encourages people to donate because it is instant (so they don't forget or change their minds later) and so easy by not having to write out a check or get a money order. I love being able to see my payments and what I have received from where all in one spot. The option to return funds, request funds, or pay others all in one spot is so fast and easy! I LOVE paypal!

Inconvénients: Sometimes I have some navigational issues on the site, but I don't know why because I've used it for so long! Otherwise, I really can't think of anything about Paypal that I don't like.

Commentaires: My overall experience with PayPal as a buyer is very positive. I am happy that it is easy to use and I am protected. As a seller/business, my experience is mostly positive. I enjoy the features, the ease, and the trustworthiness as an option to my customers. However, it is difficult (near impossible) to use when you have someone using the PayPal software to get refunds.

Avantages: There are so many pros. I use this software as a business, to help set-up other businesses to accept online payments, but I also use it as a person. Let me explain, I use it to send money to friends to pay for my half of our concert tickets. I use it to pay my mom back for the loan she gave me. My mom uses it to send me money if there are emergencies. One of the biggest pros is that it is easy. PayPal is by far the easiest to use, after it is set-up. You can have all your bank accounts, cards, etc. all in one place. I do not have to have my wallet handy. Checkout is a breeze. It is the same experience across any store, and any place that uses PayPal. As a business, it is trusted, and that is a huge plus. They are hugely protective of buyers, which makes you feel safe using it. Continually, there are tools like invoicing, website button codes, abilities to send reminders, or monthly auto-payment requests. The possibilities as a business and a regular 'person' are endless. I use this software daily. I even sometimes use it as a sort of 'bank account' and use the attached debit card.

Inconvénients: The same thing that is a pro, is actually a con, though from the seller's perspective. Frankly, because the buyer protections are so strict, it can mean that money is taken from your account as a seller, without your consent. It is very difficult to regain that money. A seller must take photos, videos, and keep stellar documentation to protect themselves. The actual process itself is a bit cumbersome and not the easiest to find. A second "con" is the fees. Obviously it costs money to process credit cards, but the fees do get to be a bit excessive. However, they are competitive in terms of how much they charge.