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PayPal

PayPal

Global e-commerce

VS

Paygatex

Paygatex
Fees from
2.9% + $0.30 + split fees vs 0.2%–1%
Features

3 shared

2 unique to PayPal · 6 unique to Paygatex
Regions

5 shared

2 unique to PayPal · 3 unique to Paygatex
Pay methods

1 shared

18 unique to PayPal · 17 unique to Paygatex

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Show full specs
11 features · 36 payment methods · 10 regions. We don't rank these — they're here for reference.
PayPal PayPal
Paygatex Paygatex
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 + split fees
0.2%–1%
Settlement
Time to receive funds
3–5 business days
Same day
Founded
1998
2023
Headquarters
San Jose, California
Saint Kitts and Nevis
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paygatex leads (9 vs 5)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Low Fees
✓
✓
Marketplace Support Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
PayPal leads (19 vs 18)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Arbitrum Unique
—
✓
Bancontact Unique
✓
—
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Blik Unique
✓
—
Bnb Unique
—
✓
Bnpl Unique
✓
—
Crypto
✓
✓
Discover Unique
✓
—
Dogecoin Unique
—
✓
Eps Unique
✓
—
Ethereum Unique
—
✓
Giropay Unique
✓
—
Google Pay Unique
✓
—
Ideal Unique
✓
—
Invoice Unique
—
✓
Lightning Network Unique
—
✓
Litecoin Unique
—
✓
Mastercard Unique
✓
—
Monero Unique
—
✓
Optimism Unique
—
✓
Payment Link Unique
—
✓
Paypal Unique
✓
—
Przelewy24 Unique
✓
—
Sofort Unique
✓
—
Solana Unique
—
✓
Stablecoin Unique
—
✓
Tron Unique
—
✓
Trustly Unique
✓
—
Usdc Unique
—
✓
Usdt Unique
—
✓
Venmo Unique
✓
—
Visa Unique
✓
—
Xrp Unique
—
✓
Regions
Paygatex leads (8 vs 7)
Africa
✓
✓
Asia
✓
✓
Europe Unique
✓
—
Global Unique
—
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania
✓
✓
South America Unique
—
✓
Southeast Asia Unique
—
✓

PayPal is best when you...

Global e-commerce
Need Enterprise
Not available with Paygatex
Need Instant Sandbox
Not available with Paygatex
Want coverage in Europe, North America
Paygatex doesn't cover these regions
View PayPal

Paygatex is best when you...

Need High Risk Accepted
Not available with PayPal
Need Marketplace Support
Not available with PayPal
Want coverage in Global, South America, Southeast Asia
PayPal doesn't cover these regions
View Paygatex

Frequently Asked Questions

What is the difference between PayPal and Paygatex?
They share 1 payment method and 5 regions. PayPal adds Amex, Apple Pay, Bancontact and 15 more that Paygatex does not list; Paygatex adds Arbitrum, Bitcoin, BNB and 14 more that PayPal does not list; PayPal also covers Europe, North America; Paygatex also covers Global, South America and 1 more.
Which is cheaper, PayPal or Paygatex?
PayPal has published rates from 2.9% + $0.30 + split fees; Paygatex has published rates from 0.2%–1%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayPal and Paygatex?
PayPal lists 7 regions and 19 payment methods; Paygatex lists 8 and 18. both cover Africa, Asia, Latin America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPal and Paygatex compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPal settles in 3–5 business days, Paygatex in Same day.

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