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PayPal Here Review

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PROS / PayPal Here does not charge monthly service or support fees, and it does not require a long-term contract.

CONS / You may need to work with one of PayPal's pre-integrated partners to use PayPal for advanced point-of-sale features.

 VERDICT / PayPal Here's predictable pricing make it an attractive option for small businesses, services or startups. However, it is not ideal for those who require advanced point-of-sale tools.

PayPal is one of the largest payment processors in the world, and now it offers a POS system option. It has two big things going for it: straightforward pricing and ease of use. Many small businesses try other POS systems that promise lower rates, but then they end up going back to PayPal when its competitors' hidden fees surpass how much PayPal charges in swipe fees. PayPal Here can process in-store payments using an iOS or Android device.

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The swipe fees charged by PayPal POS are 2.7 percent for swiped cards and 3.5 percent plus $0.15 for keyed-in cards. While these are not the lowest rates on the market, PayPal does not charge other monthly, quarterly or yearly fees. You only pay for processing. The app and card reader are free. Special rates are available for nonprofits and large-volume sellers. Non-U.S. rates are also available.

PayPal point-of-sale does not require a long-term contractual agreement. What hardware you purchase is your choice. Plus, you can use PayPal processing with many other point-of-sale apps. Using this option, you can choose the app and hardware you want but still take advantage of PayPal's predictable fees. Compatible POS systems include Erply, Revel Systems, ShopKeep and Vend.

With regard to the PayPal POS system app specifically, it can handle basic inventory, run reports and manage users. This retail POS system will track inventory pricing and sales, but it does not have tools for complex inventory scenarios such as kits or assemblies. It can process all types of payments, and you can email or text receipts to your customers. However, POS tools are limited and most suitable for those with limited inventory or simple menus, or for those who sell services. This may not be a good choice for a restaurant POS system. If you require advanced point-of-sale tools, you'll want to consider using PayPal with one of its compatible third-party POS systems.

PayPal provides 24-hour telephone support for $49.95 per month. Otherwise, you can request support by telephone or email and expect a response within 24 hours. PayPal publishes a wide array of support information online and hosts an active forum where users can share information. It should be noted that in the U.S., PayPal is licensed as a "money transmitter" in state-by-state agreements and not as a bank. It is not regulated by the federal government like a bank. However, through the years PayPal has added several fraud detection technologies to protect its customers.


If you are looking for no-surprise billing, PayPal Here may be a good option for you. You only pay the rate fee, you do not have to sign a long-term agreement, and it accepts most businesses regardless of credit.

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