Alfie P's community profile page

Write a review

Go to business site

Viewing profile for,

Alfie P

Total reviews written

Helpful marks given to their reviews

Times reviews seen

All reviews (2)

Review of the PayPal, PayPal Credit:

View on product page

Convenient but Costly in 2026

After 8+ years using PayPal for online shopping, freelance payments, and international transfers, it remains a go-to for convenience but falls short for serious money optimization. What I love: One-click checkout works flawlessly across thousands of sites. Buyer protection has saved me twice on non-delivered or faulty items with quick refunds. The app is smooth, security features (2FA, alerts) are solid, and receiving payments from overseas clients is straightforward with multi-currency support. Where it hurts smart money habits: Fees are the biggest drag. Sellers face roughly 2.9–3.49% + fixed fees domestically, plus an extra 1.5% for international commercial transactions and 3–4% currency conversion markup. Sending international personal payments can hit 5% (capped at $4.99). These costs add up fast on volume or cross-border work. Account holds during security checks have frozen funds for days, disrupting cash flow. Customer service feels robotic for complex issues. In 2026, better alternatives like Wise beat PayPal on international fees and speed. I now use PayPal selectively for protection and quick buys, but route larger transfers elsewhere. Verdict: Still valuable for convenience and buyer/seller protection, but not the cheapest or most efficient tool. Use it wisely as part of a broader fintech stack. Reviewed on: 6th April 2026

Review of the PayPal, PayPal Credit:

View on product page

It’s been endlessly useful for online transactions a...

It’s been endlessly useful for online transactions and personal payments since I started an account in my teens to buy things on eBay Reviewed on: 18th May 2024

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.