Paypal (www.paypal.com) has a 1.3 out of 5 rating on OK.one, based on 201 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. 89% of reviews are 1 star, a relatively high share; The business has not yet replied to negative reviews. Last updated 2026-08-10.
What people say
G
Gene · 1 review · Experienced 2025-10-01 ·
★★★★★
DO NOT USE PAYPAL FOR ANYTHING!
I agree with so many that if I could give negative ratings I would.
First - highest interest charge possible. If you own them 3k , no way you will be able to pay off with any kid of payment except lump sum. They tweak their APR in a way where they trap you for ever.
Second - customer service sucks. Opened up a case about merchant charging me, provided proof and instead of blocking transaction they just paid the merchant and told me.. oh well , looks legit. But if the customer tells you that it’s not.. then it’s not.. how do you give away my money to everyone ???
They suck suck suck. PayPal !! If I can tell this to the face of a CEO and the entire board I would. You all suck!! Your service sucks! There is nothing human about your company and service.
M
Matt · 10 reviews · Experienced 2026-08-04 ·
★★★★★
Unfortunately they are scam artist's…
Unfortunately they are scam artist's they don't bother to take playmate's then charge £12 I would recommend never use the credit side of PayPal the are a joke
J
Jason Walters · 5 reviews · Experienced 2026-08-04 ·
★★★★★
Absolutely horrible
Absolutely horrible. I will never use PayPal again. The customer service is terrible, and the website is very confusing.
I was overcharged by a co called fonslife so I contacted PayPal who I paid through and they were not interested in settling my problem everything is on so called live chat they keep you waiting for ages I even rang PayPal and was told waiting time 5 minutes after a hour I was cut of so have cancelled my PayPal account
Have used PayPal for 23 years without issue.
Recently using their services is becoming more difficult.
If you need to send and receive money and need it quick I wouldn't rely on PayPal anymore. They have started reviewing payments (which is fine) but it takes them days to do this so you are without your money in this time.
If you need to send and receive money quicker I would use alternative methods.
Horrible customer service for handling dispute. PayPal duty is to protect buyers from fraud sellers. Received Magcubic projector not good quality and within my 30 day grace period informed seller who refused to accept. Raised case and PayPal raised dispute case, seller started informing close the case and will refund the money. I submitted all documents as proof. PayPal asked more evidence what more evidence you need. Sent emails, invoice etc. and PayPal didn't bother checking but closed case due to insufficient proof. What more do you want I come to your office and show you the projector quality!? PayPal only cares one thing how many cases they close per day not about honesty. Very disappointed and will use other payment vendors. Do Not Recommend PayPal!?
I purchased an item from an international seller that arrived damaged due to clearly inadequate packaging. When I raised a dispute through PayPal, I was told I must pay return postage to receive a refund — despite the seller advertising free returns and PayPal's own buyer protection guarantees.
PayPal has effectively sided with a dishonest seller and made me financially responsible for their failure to package goods adequately. I did not damage this item. The seller's poor packaging did. Yet I am the one bearing the cost.
This experience reveals PayPal's buyer protection for what it is — a marketing promise that dissolves the moment it's actually tested. International sellers operating under false return policies are being actively facilitated by PayPal's dispute resolution process, which appears designed to discourage legitimate claims rather than resolve them fairly.
I will be using alternative payment methods for any future international purchases.
layla
Receive 2 months payment from upseo,then they ask me to submit documents to prove my income source,after I submit my file they ban my account, totally a trash website
**1 Star**
As a business, our experience with PayPal has been extremely disappointing.
Our account was placed under a reserve, resulting in approximately $9,000 of legitimate business funds being withheld. This prevented us from purchasing inventory and fulfilling customer orders, creating significant cash flow issues for our business.
We were given what we considered to be an unreasonably short timeframe of only 2–3 days to respond to requests for information. We attempted to explain that we could not fulfil the orders without access to the funds being withheld. When we spoke with frontline customer support, they acknowledged our concerns, however the account was ultimately closed through PayPal's internal process before the matter could be resolved.
As a result, we have lodged a complaint with the Australian Financial Complaints Authority (AFCA) and are considering our legal options.
In our experience, PayPal's systems lack flexibility, customer support was difficult to navigate, and there appeared to be little consideration given to the practical impact on our business or our customers. We believe there needs to be greater transparency, fairer review processes, and better support for legitimate businesses.
Based on our experience, we would not recommend PayPal as a payment provider for businesses that rely on timely access to their operating funds.
paypal will not accept my payments REALLY !??? what company turns down MONEY ?? Now they are asking for your bank login user name and password to your bank account just to add your bank to the paypal account VERY FOOLISH THING TO DO ! as high as idenity theft is. DO NOT GIVE YOUR BANK LOGIN INFO ! I have NEVER missed a payment with pay pal , and this is how they treat you ! , I will be closing the account for Good , and start using affirm payment plan. Paypal a bunch of IDIOTS !
Very pathetic and poor services for sellers. Non-professional staff and non-professional customer support. They have just name and their service are very poor and very bad. Even I submitted all leal an govt issued documents but they are still deactivating my account and leading my business towards loss. Simply if I say this company is a scam and not good for any startup or business.
If everything is done according to their system, they are actually good. However, if you need to get a refund that you are entitled to, they will make it is as difficult as possible. Instead of refunding into my preferred credit card, they will ask you to set up a bank account with them. Then the fun and games begin, they will make it extremely difficult to get your bank account set up. There is no assistance even when you get to a human ( supposedly). I get the distinct feeling they want to hang on to my refund and it is stressful. My case is still not resolved and I wonder if they would actually refund the money. So stay away and do not use them. My complaint is common, so they have not tried to improve and seems to be standard operating procedure.
This is my second rubbish experience with Paypal in a month, firstly they badly handled a refund and kept my money for over a week.
Now I'm waiting on a dispute with an Ebay seller. Paypal have done nothing in the last 2 weeks, used to believe I'd receive some back up. Shame because they never used to be like this. Been using them for over 20 years.
One star is very OVERRATED!! I have NOT received my alleged delivery since 2026.06.05_08.34. I complained to PayPal, including a dispute. Because the merchant had a POD (Place of Dumping) that I disputed and proved was not me, it was not good enough; PayPal's biased attitude favoured the merchant. As for the auexecutiveescalations has NEVER EVER replied, enhancing my point. Clearly, speaking about SCAMMERS, PayPal should look in their own backyard first!!!!
They deactivated my account for no reason and now there is no way to contact them to retrieve the money that was sent to me from a 3rd party. They have made it impossible to speak, email or write to them so I cannot even get the money paid back to the 3rd Party.
PayPal has a bug on their website. Their form is not able to simply add a Phone number for users of our Business Account - neither in Chrome, Opera nor Firefox. We are told my colleagues will loose access. We tried to contact customer support, the AI chatbot is next to useless. Doesn't understand our problem, we cannot upload a screenshot to explain the problem nor be connected to a human being. When we call their support, they said to try in Chrome again - which we know it doesn't work - and we told them. Then they simply hang up on us with the problem unsolved. Honestly, this is unacceptable.
Paypal 100% favour the Merchant
Ordered pack of 6 soaps on ebay from listing . On the listing showing th 6 soaps was a picture of a Just William book ?? No details on the listing no price just a picture . As the soaps were cheapest on ebay so ordered and received order confirmation for the soaps . 2 hours later @ 11.54 pm (long since gone to bed ) an ordwer confimation on my email for the book and money taken via Paypal ?? Complained to both ebay sellers who denied any knowledge of each other yet both payments went through Paypal at exactly the same time . Set up a complaint via Paypal for unauthorised payment and within hours had a decision saying they found in favour of the seller as I had authorised the payment ??? no appeal allowed . Have since had refunds from both ebay sellers still with no admission of their link up . Very disappointed by Paypal as now having looked at reviews obviously if a problem occurs you are on your own . No reply expected from Paypal as it is obvious from the number of people let down they are there to protect the merchant
Opened a dispute with PayPal for an item that I purchased via PayPal. Wrong item was delivered and seller not playing ball. PayPal intervened and said that they would refund my money only when I have returned the item. It will cost me £45 to return a £83 item (then I have to hope that seller refund is honoured). Seller keeps ignoring my emails for a pre paid return label Contacted PayPal who say I need to return the item. PayPal have said I have 10 days to return the item or the case will be closed. All I need is for PayPal to get seller to send out a pre paid return label and the item will be shipped back to seller on same day. PayPal say the case is now waiting for me to provide shipping company details and tracking number and there is no option to discuss or update the case without forking out the £45 to ship it myself. So the PayPal protection is useless. It looks like I have a £83 item that is of no use to me. Will not be using PayPal in future unless I gave no other option. Not a happy customer
After 11 years with PayPal, I want nothing more to do with them ever again.
I have been with PayPal for over 11 years, I recently had several fraudulent charges to my account. I immediately, within 15-20 minutes, reported the transactions. It has now been over a month now that I have been waiting for PayPal to correct this. Since I reported this, my account has had a negative balance, which my account has NEVER been in the negative. I am hearing complete lies from customer service, and I am now being held hostage, as I am not allowed to closed my account until they take their time to close the disputes that are open. They will not let me close my account and just send me a check or send my money to the other ebanks I have on file. During all of this, I was either hung up on or disconnected with no one making any attempts to contact me back. I suggest if you want a financial institution that will protect your money, and be as loyal to you as you are them, do not use PayPal, and I suggest do not use synchrony who is paypal's parent company. After 11 years with PayPal, I want nothing more to do with them ever again.
PayPal , restriction my account and won’t allow me to withdraw my funds for 120 days is ridiculous, this should be illegal. I don’t recommend no one to use PayPal EVER.
