What users are saying about
18 Ratings
Top Rated
234 Ratings
18 Ratings
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Score 7.3 out of 100
Top Rated
234 Ratings
<a href='https://www.trustradius.com/static/about-trustradius-scoring' target='_blank' rel='nofollow noopener'>trScore algorithm: Learn more.</a>
Score 8.2 out of 100

Attribute Ratings

  • PayPal Payments Pro is rated higher in 1 area: Likelihood to Recommend

Likelihood to Recommend

6.2

CyberSource

62%
9 Ratings
8.5

PayPal Payments Pro

85%
75 Ratings

Support Rating

CyberSource

N/A
0 Ratings
2.6

PayPal Payments Pro

26%
14 Ratings

Likelihood to Recommend

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.
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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.
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Pros

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.
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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.
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Cons

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
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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.
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Pricing Details

CyberSource

Starting Price

Editions & Modules

CyberSource editions and modules pricing
EditionModules

Footnotes

    Offerings

    Free Trial
    Free/Freemium Version
    Premium Consulting/Integration Services

    Entry-level set up fee?

    No setup fee

    Additional Details

    PayPal Payments Pro

    Starting Price

    $0 per transaction

    Editions & Modules

    PayPal Payments Pro editions and modules pricing
    EditionModules
    Commercial Transactions - Online2.90% + fixed fee1
    Commercial Transactions - In-Store2.70% + fixed fee2
    PayPal's pay later offers2.90% + fixed fee3
    QR code Transactions1.90% + fixed fee4
    Venmo2.90% + fixed fee5
    Charity Transactions2.20% + fixed fee6

    Footnotes

    1. per transaction
    2. per transaction
    3. per transaction
    4. per transaction
    5. per transaction
    6. per transaction

    Offerings

    Free Trial
    Free/Freemium Version
    Premium Consulting/Integration Services

    Entry-level set up fee?

    No setup fee

    Additional Details

    Support Rating

    Visa

    No answers on this topic

    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).
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    Alternatives Considered

    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.
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    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.
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    Return on Investment

    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
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    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.
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