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PayPal

Ranked 2 of 11 payment processors by recommenders

A convenient way to pay online without handing card or bank details to every merchant, with valued buyer protection; critics warn of sudden account locks, frozen funds and app breakage.

A convenient way to pay online without handing card or bank details to every merchant, with valued buyer protection; critics warn of sudden account locks, frozen funds and app breakage.

342 people gave an opinion

recommend it
103
criticize it
239
approval share
30%
Each figure is 5 people. RecommendsCriticizes

Recommended in 12 of 13 months

  1. November 2025: recommended
  2. December 2025: recommended
  3. January 2026: recommended
  4. February 2026: recommended
  5. March 2026: recommended
  6. April 2026: recommended
  7. May 2026: recommended
  8. June 2026: recommended
  9. July 2026: recommended
  10. August 2026: recommended
  11. September 2026: recommended
  12. October 2026: recommended
  13. November 2026: not recommended (month in progress)

Owned for 20 years

Median of the 9 owners who said how long they have had it.

Each square is one year.

Why it doesn’t carry the badge

  • 103 people recommend itNeeds 10 or more, met.
  • 0.4 recommenders for every criticNeeds 2 to 1 or better, not met.
  • Recommended in 12 of 13 monthsNeeds 4 or more, met.

The same three rules apply to every product, and the badge can’t be bought. How the badge works

What people say about it

The reasons people give, with the number of comments that give each one. Open a reason to read what they said.

Why people recommend it

Each mark is one comment

  • Keeps card details from merchants

    “I use it on e-commerce sites for first purchase or if it's unlikely I'm going to buy anything from the same site again.”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “I don't really like spreading my CC details to servers of questionable maintenance state than strictly necessary”

    Comment from 11 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”

    “since I already have my credit/debit cards saved there and don't want to hand over numbers to a random website”

    Comment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”
  • Buyer protection and fraud support

    “The advantage that PayPal offers me as a buyer is a middleman between the vendor and myself that I control.”

    Comment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

    “its buyer protection is one of the significant reasons that I keep using Paypal for online payments”

    Comment from 16 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

    “PayPal is the only real company to offer any meaningful support to customers targeted by fraud”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”
  • Fast, convenient online checkout

    “it's really a gamechanger not having to play three card monte selecting the correct card to use for each transaction”

    Comment from 25 Feb 2026 in “Stripe reportedly makes offer to acquire PayPal”

    “That way, whenever I need to rotate credit cards for whatever reason, I only need to update them in one location”

    Comment from 20 Feb 2026 in “PayPal discloses data breach that exposed user info for 6 months”

    “PayPal originally took off as it was convenient and fast, saving you from filling in card details each time”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”
  • Bank debit, widely used in Europe

    “Paypal allows more payment methods (direct debit from your bank account being a big pull here in Germany)”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “PayPal is pretty convenient as it can withdraw directly from a SEPA account and enables online shopping”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “Online payments especially between regular people (so not businesses) are still dominated by PayPal.”

    Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

What people warn about

Each mark is one comment

  • Account locks and frozen funds

    “I have been on the other side (seller, selling digital goods such as dev and design) and have seen how quick PP is to yank those funds back.”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “There's shouldn't be a miniscule percentage chance of your entire livelyhood being ripped away and locked forever without recourse simply by using a certain payment platform.”

    Comment from 14 Dec 2025 in “Apple has locked my Apple ID, and I have no recourse. A plea for help”

    “The scammer somehow convinced PayPal the item I tried to buy was illegal/against PayPal ToS, which resulted in them banning *me* instead of the scammer.”

    Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”
  • Breaks on GrapheneOS, custom setups

    “PayPal shipped incorrect anti-tampering code wrongly detecting our secure spawning feature as tampering.”

    Comment from 28 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

    “PayPal shipped an update with incorrect anti-tampering code incompatible with secure app spawning.”

    Comment from 28 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

    “Punishing the users that know what they are doing while rewarding the ones that don't is the most counter-productive and detrimental crap anyone could come up with.”

    Comment from 27 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”
  • Disputes often go against users

    “I got screwed over with an unauthorized transaction on my credit card that was attached to a PayPal account... They refused to acknowledge the transaction as unauthorized”

    Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

    “The scammer somehow convinced PayPal the item I tried to buy was illegal/against PayPal ToS, which resulted in them banning *me* instead of the scammer.”

    Comment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

    “they favor large merchants against the consumer. I had a problem with a product and the company was playing games with the warranty.”

    Comment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”
  • Losing ground to newer payments

    “The reason their future is not that bright is that things like Apple Pay and Google Pay are starting to eat their lunch”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

    “there's no innovation I feel. With eBay having CC support and being able to charge and return a charge back to the card, PayPal now is in a niche.”

    Comment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

Other payment processors people recommend

The four most recommended other payment processors, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.

PayPal compared with 4 alternatives
ProductRecommendCriticizeApprovalMonthsOwnedBadge
Stripe14318044%124 yrs5 owners—
PayPalThis page10323930%1220 yrs9 owners—
Adyen171063%8——
Mollie11473%4—Approved
Paddle10759%8——
See all 11 payment processors, ranked

What people said

40 of the 439 comments that mention it, newest first. Each links to the original comment.

“PayPal also offers tap-to-pay, though I recently had to disable Graphene's 'secure app spawning' feature for the PayPal app to get it to open.”

MixedComment from 24 Oct 2026 in “Around a dozen banking apps began specifically permitting GrapheneOS”

“I was glad I could just ask a friend to send me something to PayPal as a way to do online payments.”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“I have been on the other side (seller, selling digital goods such as dev and design) and have seen how quick PP is to yank those funds back.”

MixedComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“The reason their future is not that bright is that things like Apple Pay and Google Pay are starting to eat their lunch”

MixedComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“Paypal allows more payment methods (direct debit from your bank account being a big pull here in Germany)”

MixedComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“people want PayPal for payment because they don't want to give their bank details or don't have a credit card”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“PayPal is the only real company to offer any meaningful support to customers targeted by fraud”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“handing it straight to a trusted payment processor always reminds me that it's not like the others”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“I'm from Europe and like Paypal a lot for paying for things online; much easier than using a credit card.”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“Admittedly it helped a lot that I live in Norway now where everyone uses Vipps (which is so much better), and PayPal is not a thing at all.”

CriticizesComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“I use it on e-commerce sites for first purchase or if it's unlikely I'm going to buy anything from the same site again.”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“PayPal is pretty convenient as it can withdraw directly from a SEPA account and enables online shopping”

RecommendsComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“there's no innovation I feel. With eBay having CC support and being able to charge and return a charge back to the card, PayPal now is in a niche.”

CriticizesComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“PayPal originally took off as it was convenient and fast, saving you from filling in card details each time”

MixedComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“I use it less and less since Apple Pay is available pretty much everywhere, but it can still be handy now and then.”

MixedComment from 28 Aug 2026 in “Stripe said to abandon $50B pursuit of PayPal”

“PayPal accidentally broke support for GrapheneOS with the default settings for the app by adding incorrect anti-tampering code”

CriticizesComment from 28 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“PayPal shipped an update with incorrect anti-tampering code incompatible with secure app spawning.”

MixedComment from 28 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“PayPal shipped incorrect anti-tampering code wrongly detecting our secure spawning feature as tampering.”

MixedComment from 28 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“For that argument to hold, they'd also have to blacklist any phone not running the newest, most up to date Android version”

CriticizesComment from 27 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“Punishing the users that know what they are doing while rewarding the ones that don't is the most counter-productive and detrimental crap anyone could come up with.”

CriticizesComment from 27 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“checking what OS I decide to run on the devices I own to check my own banking is any of their concern is a problem in and of itself”

CriticizesComment from 27 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“I had to start using it after moving to Germany, because everyone else expects you to use it.”

MixedComment from 27 Aug 2026 in “Tell HN: PayPal blocks GrapheneOS”

“its buyer protection is one of the significant reasons that I keep using Paypal for online payments”

RecommendsComment from 16 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

“The advantage that PayPal offers me as a buyer is a middleman between the vendor and myself that I control.”

RecommendsComment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

“they favor large merchants against the consumer. I had a problem with a product and the company was playing games with the warranty.”

CriticizesComment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

“since I already have my credit/debit cards saved there and don't want to hand over numbers to a random website”

MixedComment from 15 Jul 2026 in “Stripe, Advent offer to buy PayPal for more than $53B”

“Online payments especially between regular people (so not businesses) are still dominated by PayPal.”

MixedComment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

“buyer protections and the obfuscation of the banking info are genuine features for people”

MixedComment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

“I got screwed over with an unauthorized transaction on my credit card that was attached to a PayPal account... They refused to acknowledge the transaction as unauthorized”

CriticizesComment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

“The scammer somehow convinced PayPal the item I tried to buy was illegal/against PayPal ToS, which resulted in them banning *me* instead of the scammer.”

CriticizesComment from 20 May 2026 in “Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment”

“Paypal's post-login verification step breaks so every time I want to buy something using Paypal I have to switch to Chrome.”

CriticizesComment from 5 May 2026 in “Google Chrome silently installs a 4 GB AI model on your device without consent”

“Paypal was indispensable for years. When they set a KYC deadline involving some dude in a video call suddenly asking me to produce my Aadhar”

MixedComment from 25 Feb 2026 in “Stripe reportedly makes offer to acquire PayPal”

“it's really a gamechanger not having to play three card monte selecting the correct card to use for each transaction”

RecommendsComment from 25 Feb 2026 in “Stripe reportedly makes offer to acquire PayPal”

“That way, whenever I need to rotate credit cards for whatever reason, I only need to update them in one location”

RecommendsComment from 20 Feb 2026 in “PayPal discloses data breach that exposed user info for 6 months”

“I don't really like spreading my CC details to servers of questionable maintenance state than strictly necessary”

RecommendsComment from 11 Feb 2026 in “Europe's $24T Breakup with Visa and Mastercard Has Begun”

“There's shouldn't be a miniscule percentage chance of your entire livelyhood being ripped away and locked forever without recourse simply by using a certain payment platform.”

CriticizesComment from 14 Dec 2025 in “Apple has locked my Apple ID, and I have no recourse. A plea for help”

“PayPal locking your account and freezing your funds forever, which is what they do, is tantamount to legal grievous injury or death.”

CriticizesComment from 13 Dec 2025 in “Apple has locked my Apple ID, and I have no recourse. A plea for help”

“PayPal, Palantir, SpaceX (as an early investor), and backing young founders through the Thiel Fellowship have created massive value and progress.”

RecommendsComment from 2 Dec 2025 in “Peter Thiel's Apocalyptic Worldview Is a Dangerous Fantasy”

“Paypal only still seems to be a major thing in the US where modern payment methods are still very much behind the rest of the world.”

MixedComment from 18 Nov 2025 in “PayPal bans Linux users with a GPU name containing the string "Apple M1"”

“the only semi reliable payment method attached to my credit card that doesn't constantly fail payments on my desktop computer”

MixedComment from 18 Nov 2025 in “PayPal bans Linux users with a GPU name containing the string "Apple M1"”

Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.