PayPal Payments Pro vs. Visa Acceptance Solutions (CyberSource)

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
PayPal Payments Pro
Score 8.3 out of 10
N/A
PayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer accounts around the globe.
$0.02
per transaction
Visa Acceptance Solutions (CyberSource)
Score 8.1 out of 10
N/A
CyberSource, acquired by Visa in 2010 and now part of Visa Acceptance Solutions, is payment technology, and includes offerings with flexible payment solutions that work across the globe.N/A
Pricing
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Editions & Modules
QR code Transactions
1.90% + fixed fee
per transaction
Charity Transactions
2.20% + fixed fee
per transaction
Commercial Transactions - In-Store
2.70% + fixed fee
per transaction
Commercial Transactions - Online
2.90% + fixed fee
per transaction
PayPal's pay later offers
2.90% + fixed fee
per transaction
Venmo
2.90% + fixed fee
per transaction
No answers on this topic
Offerings
Pricing Offerings
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details
More Pricing Information
Community Pulse
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Considered Both Products
PayPal Payments Pro

No answer on this topic

Visa Acceptance Solutions (CyberSource)
Chose Visa Acceptance Solutions (CyberSource)
For low cost high volume credit card processing, CyberSource stacks up well. However you will need to do more integration work than the other solutions.
Top Pros
Top Cons
Best Alternatives
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Small Businesses
Apple Pay
Apple Pay
Score 9.0 out of 10
Recurly
Recurly
Score 8.1 out of 10
Medium-sized Companies
Apple Pay
Apple Pay
Score 9.0 out of 10
Checkout.com
Checkout.com
Score 8.2 out of 10
Enterprises
Adyen
Adyen
Score 8.8 out of 10
Checkout.com
Checkout.com
Score 8.2 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Likelihood to Recommend
8.2
(73 ratings)
6.8
(9 ratings)
Support Rating
2.3
(9 ratings)
-
(0 ratings)
User Testimonials
PayPal Payments ProVisa Acceptance Solutions (CyberSource)
Likelihood to Recommend
PayPal
Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.
Read full review
Visa
Easy, stable, and effective financial data management and also excellent for multiple contacts management and easy to provide accurate reports on multiple payment processing and various project activities. The CyberSource features are simple and easy to custom their functionalities and even scheduling using the solution is an amazing and useful data visualization platform.
Read full review
Pros
PayPal
  • PayPal offers me the option of converting my currency deposited in my account to another currency, so I can complete all kinds of payments and send money to employees who are in another country for business reasons.
  • The mobile phone application is too fast, I can make payments to my employees in a matter of seconds without having to wait for the web version to load.
  • Scheduled payments are great. PayPal allows me to add a list of contacts to my PayPal Business account, and after adding the contacts, I can schedule payments for a specific day and time. It's easier to make automated payroll payments with PayPal.
Read full review
Visa
  • They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
  • The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
  • They also connect to PayPal making it easy to add them to any website as a payment method.
Read full review
Cons
PayPal
  • Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
  • The PayPal logo on the checkout page can be kind of large and obtrusive.
  • They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.
Read full review
Visa
  • fees- competitive, but budget for them
  • price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
  • implementation- significant time and expertise required to get everything up and running smoothly
Read full review
Support Rating
PayPal
Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).
Read full review
Visa
No answers on this topic
Alternatives Considered
PayPal
I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same. The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out there, but we offer Apple and Google Pay). As a business, I prefer Apple or Google Pay to PayPal Payments, but we offer either Google or Apple Pay, PayPal, and credit card options and PayPal is always right up there with credit cards. I don't foresee us ever getting rid of PayPal Payments as an option, but we do try to only offer it on request for higher ticket items or high dollar installment purchases.
Read full review
Visa
Cybersource is a decent product but 2 things are driving us to look at others options. First is the lack of customer service. Every issue that requires help is dreaded as you know if will not be an easy process. This tags into the communication access with them. Multiple emails are generally required to get any response. There have been times when we requested information about PCI compliance that they never responded. Second is the cost savings with others processors. Currently we are leaning towards Elavon as their replacement.
Read full review
Return on Investment
PayPal
  • Our daily revenue has been increased when started PayPal Payments as the payment gateway.
  • Refund rate and recurring revenue is stable and disputes are handled properly.
  • Forex Fluctuations is controlled and solved the buying experience for few users.
  • Solved problem for different currencies and retained our users.
Read full review
Visa
  • It has streamlined credit card processing for the whole organization
  • Provides all the info we need to locate specific transactions and address issues accordingly
Read full review
ScreenShots