PayPal is a button. It is not a banking relationship.
PayPal earned its place online. Plenty of customers like paying with it. But as the backbone of a real business's payments, it carries convenience pricing. It also carries platform-style account risk.
Compare against my real numbersWhere PayPal / Venmo shines
Customer familiarity
The button converts online because buyers trust it. Keeping it as one option among several is often smart.
Instant setup
Like all instant platforms, you're selling in minutes.
Where the broker wins
Real pricing structure
Flat convenience rates carry a hefty margin inside. A merchant account prices your actual volume and card mix. And our programs can take the cost off your side entirely.
Account stability
PayPal's holds and freezes are run by an algorithm. They're infamous. No underwriter there knows who you are. A merchant account establishes you up front.
A counter-grade setup
Real terminals and real POS options. Receipts and reports built for a business. Not for a marketplace seller.
Local support
A Federal Way phone number. Not a resolution center. A person picks up.
Keep the button if your customers love it. Build the business on a real account.
Fair questions
Should I remove PayPal entirely?
Usually no. Keep it as a checkout option where it converts. Just stop running your core volume through convenience pricing.
Is Venmo for business different?
Same family, same structure. It's instant and handy. The platform sets the price and an algorithm runs the account. Fine as one option. Risky as a backbone.
What about PayPal Zettle at the counter?
It's the same flat-rate model in terminal form. Volume you take in person deserves card-present pricing. That is what a merchant account gives you.
How fast can a real merchant account be live?
Days. Underwriting is the step platforms skip. It's also why the account doesn't freeze later.