PortalPay vs PayPal: Modern Payment Processing

Pay less, settle faster, and avoid PayPal account holds. Accept both crypto and traditional payments with enterprise features included free.

74%

Lower Fees

$3,300

Average Annual Savings

Instant

Settlement Time

Feature Comparison

Feature	PortalPay	PayPal
Processing Fee	0.5-1%	2.9% + 30¢
Settlement Time	Instant	1-3 business days
Account Holds	Never	Common (180 days)
Chargebacks	Zero (crypto)	Yes (lose disputes)
Accept Crypto	✓	Limited
Accept Cards	✓	✓
Bank Account Required	✗	✓
Invoicing	✓	✓
Subscription Billing	✓	✓
International Fees	None	1.5% + fixed fee
Currency Conversion	No fees	3-4% markup
POS System	Free included	Extra cost
Customer Support	Direct support	Limited (automated)

Real-World Savings Examples

Freelance Designer ($5k/month)

With PayPal:$1,836/year

With PortalPay:$450/year

You Save:$1,386

75% annual savings

Online Store ($20k/month)

With PayPal:$7,080/year

With PortalPay:$1,800/year

You Save:$5,280

75% annual savings

Consulting Business ($10k/month)

With PayPal:$3,540/year

With PortalPay:$900/year

You Save:$2,640

75% annual savings

Digital Products ($15k/month)

With PayPal:$5,310/year

With PortalPay:$1,350/year

You Save:$3,960

75% annual savings

How to Switch from PayPal to PortalPay

1
Download transaction history from PayPal
2
Create PortalPay account with crypto wallet
3
Set up payment links or QR codes
4
Test with a small payment
5
Update website payment buttons
6
Notify customers of new payment option
7
Monitor both systems during transition
8
Close PayPal once comfortable

Why Businesses Switch to PortalPay

Problems with PayPal

✗High processing fees (2.90% + 0.3¢)
✗Slow settlement (1-3 business days)
✗Chargeback losses
✗Requires traditional bank account
✗Limited crypto support

Benefits of PortalPay

✓Ultra-low fees (0.5-1% total)
✓No monthly fees ever
✓Instant settlement (seconds)
✓Zero chargebacks
✓No bank account required
✓Accept both crypto and cards
✓Free enterprise features included

Frequently Asked Questions

Is it hard to switch from PayPal to PortalPay?

No! Most businesses complete the switch in under an hour. You can export your data from PayPal, set up your PortalPay account, and start accepting payments the same day. Many merchants run both systems in parallel for a week to ensure a smooth transition. Our support team helps with the migration.

Will my customers need crypto wallets?

No. While crypto enthusiasts can pay directly with their wallets, any customer can pay using credit/debit cards, Apple Pay, or Google Pay through our onramp. We handle the crypto conversion instantly. Your customers won't even know it's crypto - they just see a simple payment experience.

How much will I really save?

On average, businesses save 70-85% on total payment processing costs. The exact savings depend on your monthly volume and current PayPal plan. Use our cost calculator above to see your specific savings. Most businesses save between $2,000-10,000 annually.

Do I need a bank account to use PortalPay?

No! This is a major advantage over PayPal. Payments go directly to your crypto wallet. You can hold as crypto, convert to stablecoins, or cash out to your local currency. Perfect for international businesses or new companies that struggle with traditional banking.

What about features I use in PayPal?

PortalPay includes all essential features for your industry - and they're all free. We have specialized POS systems for restaurants, retail, hotels, and more. Check the feature comparison table above to see specific capabilities. In most cases, you'll get more features than PayPal offers, at no extra cost.

Is settlement really instant?

Yes! Crypto transactions settle in seconds, not days. Compare this to PayPal's 1-3 business day wait. You have immediate access to your funds for restocking, payroll, or any other needs. No more waiting for batch processing or dealing with hold times.