What is PayPal Here?
Want to Reduce Retail Theft and Better Manage Your Inventory? Click Here to find out how.
How Popular is it?
More than 1,000,000 downloads
What it allows you to do:
Quickly setup to accept multiple payment types (Card, cash, check, invoice), set sales tax, manage item catalog (but not quantities), scan barcodes, credit cards, and checks using IPAD/Android camera, add discounts.
What it does not allow you to do:
Track item quantities, manage customers/contacts, reserve tables, create/track purchase orders, split tickets, open checks, etc.
Who it works well for:
Businesses that are looking for a mobile and in-store option for processing credit card payments they can set up quickly and without having to pay $50/month for more sophisticated POS software.
Who it does not work well for:
Grocery Stores, Restaurants, Cafes, Any business that needs more advanced POS features (inventory management, split check, etc). (See Shopkeep)
PayPal Here has no monthly subscription fee. You just pay 2.7% transaction fee per swiped credit card transaction (See Pricing Section Below)
Cost Compared to Competitors:
Free Card Reader
Type of Solution:
Merchant Account Included:
Apple (iOS 6.0 and above), Android (4.0 or higher with location capabilities) Smartphone or Tablet
Yes. Company and customer service
How it Works
Paypal Here provides the software and merchant account you need in-order to accept transactions and process credit-card payments using an iPad/Android tablet, or your mobile phone. Paypal Here integrates with cash boxes, receipt printers, barcode scanners,and can be used to process payments both in-store and on-the-go using your phone’s cellular signal.
If you are looking for a really basic all-in-one payment processing system that you can start using immediately, then PayPal Here could be just what you need. But, if you want to be able to manage multiple aspects of your business via your POS (inventory, employees, more in-depth reporting) then more advanced systems like Shopkeep or Erply are probably better choices for your business.
Paypal’s pricing is extremely straightforward. You simply pay 2.7% on all swiped credit card transactions. If you want to accept a credit card manually, the rate to key-it-in is 3.5% + $.15 per transaction. You also have a pay through invoice option, which is 2.9% + $.30 per transaction.
If you want to use PayPal Here to do more than just accept credit cards and email receipts, you will need to get a cash drawer, receipt printer, and more, which will cost you. The credit card reader is included free, which is nice.
You can find compatible hardware here. The setup pictured below, with compatible cash drawer, Ipad Stand, and receipt printer, will cost you around $500 if you buy it piecemeal. Although you can get a barcode scanner for around $100-$300 (wireless is the more expensive price point), you can also scan barcodes in using your tablet’s camera.
Credit Card Processing Fees
PayPal Here is both a processing service and a merchant account provider. This means that if you use Paypal Here, you are required to use their Credit Card processing service as well, which charges a flat rate of 2.7% per credit card transaction. (See Credit Card Processing Fees article for comparison between Paypal’s rates and other providers)
Another benefit to using PayPal Here is that your credit score and history do not matter. When signing up for a traditional merchant account service, you will have to do a credit check and have more chance of being refused if you have bad credit. With PayPal Here, you just sign up and start swiping.
Ease of use
Paypal Here is extremely simple to use, mostly because it is really just about accepting payments. There are not a whole lot of additional features available. You can add items into an item catalogue, which is very simple and intuitive, but you cannot actually add item quantities that can be tracked as inventory.
Software Download/Setup: Easy
Paypal Here is easy to download. You simply go to the APP Store, search Paypal Here, and then download the app. Once that is done, you set up an account by adding in some business/personal information (which Paypal cross-checks against government resources to confirm identity) and then you are ready to start setting up your store payment system.
Store Setup: Moderate
Setting up your store is a piece-of-cake, mostly because there really is not much to set up. If you already have a Paypal for your business, then all you have to do is add items. You can add items to an item catalogue, but cannot actually keep a record of how many items are in-stock, which is a pain.
You can also easily set up user permissions for various employees such as who can withdraw from or add money to the cash drawer.
Register Use: Easy
The register interface is very easy-to-use. Here is what the basic register screen looks like.
As you can see, it is pretty intuitive and easy to navigate. However, I didn’t understand why the pre-configured “Items” tab wasn’t the default register screen, which would make it easier to add products without having to click on an extra tab. Perhaps it gives a clue to what PayPal is really aiming for, providing a basic service where businesses can key in a payment and accept credit cards from customers. In my opinion, it is not a great solution for a storefront/brick-and-mortar business that has inventory and has daily transactions.
Here is the item screen that I configured, using several of my pottery pieces as examples.
One pretty cool and easy-to-use feature, is that you can scan in barcodes, and process credit cards and checks via using your iPad/Android camera on your phone or tablet via the Barcode Tab.
Here’s what that looks like.
Features Not Included
Set up an
which has easy
buttons on the
via tablet camera
who has access
to money and
Set Sales Tax
Paypal Here has a variety of integrations. They integrate with nearly all ecommerce site options, which means you can have one payment account for both your brick-and-mortar and online store, which makes things simpler. Oddly enough, Paypal actually integrates with many of the more powerful POS systems, like ShopKeep, Revel, and LightSpeed. I think it is just another illustration that Paypal is targeting businesses that just want to process cards, but are not looking to actually manage their store through their POS. But, if you want that kind of system, says PayPal, here are some options we integrate with.
can import files
Many of the
Once you actually use PayPal Here, it quickly becomes apparent that it is primarily designed as a simple and hassle free credit card processing option. Although technically able to print receipts, have a cash drawer, etc, PayPal Here lacks traditional POS tools for inventory tracking, employee management, in-depth reporting/store analytics, and multiple check options (split, open, etc). These limitations make it a poor option for the average brick-and-mortar store.
However, for the service business or vendor that just wants to quickly get up and running so they can accept credit-card payments, PayPal Here could be just the ticket. PayPal has handled money for years and has a secure reputation, meaning your customers will feel safe giving PayPal their information. Also, you can accept payments on your smartphone as well, which is handy. There were several reviews I read that argued Square worked better for them when wi-fi/cellular traffic was heavy, so that is something to keep in mind.
1 – Inventory Management
Paypal Here has an item catalogue, where you can add items for easy button access from your register screen. However, there are not really any actual inventory management tools, because you cannot track quantity of inventory, set low-inventory alerts, or configure alerts for when it is time to reorder product.
2 – Employee Management
The only employee management tools that Paypal Here offers, are related to user permissions. You can set up the levels of access for your employees. So, for instance, regular cashiers can only access the cash box when a transaction has been made. However, someone with managerial user status, can manage account settings and add/withdraw money to/from the cashbox.
One of the obviously lacking features for employee management, is a time-tracking option, pretty much a standard on many POS systems.
3 – Customer Relationship Management (CRM)
If your goal is to build up a customer information base using your POS system, Paypal Here will probably disappoint. You can capture customer information after a transaction, but it is just catalogued under that transaction on your online PayPal page. There is no separate contact folder or anything where the information is catalogued. You can integrate with Constant Contact, an email marketing service, but that will cost you an extra $15-$20/month and the integration has reportedly had some issues.
4 – Always-on mode (accept payments even when offline)
You can process cash and checks offline, but PayPal Here needs an internet connection to process credit card payments and transactions.
5 – Barcode creation/scanning
One of PayPal Here’s handy features, is that you can scan barcodes by using your devices’ built in camera. You can also assign barcode numbers to new items that you add. However, you cannot print a barcode label for your product.
6 – Label creation/printing
There is no label creation/printing of any kind available with PayPal Here.
7 – Gift Card/Discount Options
If you want to give discounts, PayPal Here has you covered. You can add a discount right on your register screen, whether percent of sale or fixed dollar amount. However, you cannot accept gift cards.
8 – Ecommerce/online storefront option
PayPal integrates with nearly every major ecommerce solution. So, you can easily sync your business account to both your brick-and-mortar and online store.
9 – Mobile payment option
PayPal Here provides a free mobile card reader with every account. This makes processing mobile payments on your smartphone a breeze, as long as you have signal.
10 – Purchase Order management
If you want to manage purchase orders through your POS, you are out of luck with Paypal Here. They have no purchase order management features of any kind, as do some more advanced POS systems like LightSpeed and Revel.
11 – Reporting
Paypal Here has recently upped its reporting capabilities, although they are still not very in-depth compared to most POS systems. You can generate sales reports and also generate sales/productivity reports for individual employees. But, that is about the extent of the system’s reporting capabilities, since it does not track inventory, raw materials, individual item cost as other POS systems do (see ShopKeep).
12 – Appointment Booking/Reservations
If you want to use PayPal Here to book appointments or reservations, you are out of luck. There are no appointment booking/reservation features of any kind available. For these features, you’ll probably need to with a restaurant POS like Aldelo or Revel.
13 – Payroll
Paypal Here does not have any Payroll features of any kind, like some higher end POS systems like LightSpeed.
14 – Restaurant Tools
If you are considering using PayPal Here for your restaurant, think again. You cannot split tickets, merge tickets, or keep open checks, all of which are crucial for any restaurant POS. You can integrate with a kitchen printer, which could make PayPal Here a viable option for quick-service restaurants. But in most cases, if you need a restaurant POS, it is better to go with a restaurant-dedicated system like Aldelo.
15 – Grocery Store Tools
PayPal Here does not have any inventory management tools of any kind, making it a less than desirable POS choice for grocery stores.
16 – Retail Store Tools
PayPal Here does allow you to scan barcodes, which is important for retail stores. But, the lack of standard POS features such as inventory management tools and employee time-tracking software would make me think again before using PayPal Here in my retail store.
No (M-F 4am-10pm PST, S/Su 6am-8pm PST)
US Based or Not?
Phone, Email, Live Chat, Self-Help Portal?
Paypal has lots of different support options, including a community forums, a self-help knowledge base, phone, and email support. They also have a dedicated Twitter Handle, @askPaypal, where they field questions from M-F 9am-5pm CT.
From the various reviews I have read, PayPal’s phone service is pretty hit-or-miss. Some people have a good experience, and some do not. In general, my advice is to try to find answers on the community/self-help forums first, only using phone support as a last resort.
PayPal Here, although it could be used as a dedicated POS system for your brick-and-mortar store, is more about providing a simple software platform and merchant account portal so that businesses can accept credit card payments without much hassle. Also, PayPal has name recognition and a secure reputation, meaning your customers will have less worries about their personal information. However, if you are looking to manage a variety of store operations from your POS, than PayPal Here is probably not for you.
Want to Reduce Retail Theft and Better Manage Your Inventory? Click Here to find out how.
Noteworthy Articles and Paypal Here Reviews
Better Business Bureau: A+ rating – There are 6,000+BBB Complaints and Reviews
Merchant Maverick – PayPal Here came to the mobile payment processing arena after the likes of Square and PayAnywhere and was able to grab a significant portion of the mobile processing market just on the strength of the PayPal brand. The system’s ease of use and intuitive mobile app are among its best features. As well, users are not contractually obligated to pay for service on a monthly basis – you pay fees based on the sales you make. Another feature that sends PayPal far ahead of its competitors is the fact that merchants can get immediate access to funds through their Business or Premier PayPal accounts. If they have debit cards for their accounts, they can access funds immediately. The card reader is easy to install and a cinch to carry. But as is the case with many large companies, particularly cloud-based endeavors, customer complaints about PayPal exceed 6,000 on BBB.org alone. Common complaints include freezing accounts, holding funds and closing accounts altogether. “While it has some shortcomings when compared to traditional merchant account providers, PPH out-performs other mobile processor in my opinion, with better features, comparable pricing, and overall superior user experience. “[Read more ]
CardFellow – PayPal Here gets high marks for being packed with features and conveniences that help merchants stay focused on running the business and not calling customer service. The Smartphone-based payment processing solution allows users to processes credit card payments on a daily basis, makes funds immediately available and allows users to accept checks right through their Smartphones. Despite Square being one of PayPal’s leading competitors, a side-by-side comparison puts PayPal Here ahead of Square by leaps and bounds. Still, customer complaints abound. “Beware of PayPal Here! First, they hold 100% of your funds above any amount of $2500.00 for up to 90 days. Second, they refuse to post my business account name or even my name on clients’ billing statements.” [Read more ]
Google Play – With more than 8500 reviews in, users who downloaded the PayPal Here app seem happy with the service overall. The mobile payment processor earned 4 out of 5 stars for the service. A quick scroll through the reviews shows many merchants are having trouble getting the card reader to work with Android phones and tablets. And PayPal has yet to work out all the technical kinks, so users still find the application good when it works and inconvenient when it doesn’t. But all in all, PayPal Here is a great product that serves its small business merchants well. “Convenient but still buggy Seems like every other update screws up the card reader so card numbers have to be entered manually. Which means I get charged more. Almost seems fishy right?” [Read more ]
Have experience with Paypal Here? Please leave a review below.