PayArmorX vs PayPal
A comprehensive comparison of features, fees, and benefits to help you make the best choice for your business.
PayArmorX
The Future of Payment Processing
PayPal
The simpler, safer way to pay and get paid
Save up to 72% on transaction fees
With PayArmorX, you'll pay 0.8% - 1% per transaction compared to 2.9% + $0.30 (domestic), 4.4% + fixed fee (international) with PayPal. That's significant savings that add up over time.
Calculate Your Savings
Enter your monthly processing volume to see how much you could save with PayArmorX
Feature Comparison
Detailed side-by-side comparison of key features
| Feature | PayArmorX | PayPal |
|---|---|---|
Transaction Fees | 0.8% - 1% | 2.9% + $0.30 (domestic), 4.4% + fixed fee (international) |
Chargeback Fees | $0 (No traditional chargebacks) | $20 per chargeback |
Settlement Time | Instant | 1-3 business days |
Setup Fees | $0 | $0 |
Cryptocurrency Support | Yes | No |
PayArmorX Features
What makes us better
- Zero chargebacks - blockchain finality
- Lowest transaction fees in the industry
- Instant settlement - no waiting periods
- Multiple payment methods including crypto
- No setup fees or monthly minimums
- Transparent pricing
- Modern API and developer tools
- Real-time analytics
PayPal Overview
What to know
Pros:
- Widely recognized brand
- Large user base (400M+ users)
- Buyer protection
- No monthly fees (basic plan)
- International reach
Cons:
- Highest transaction fees (up to 4.4%)
- High chargeback fees ($20)
- Account holds and freezes common
- Poor customer service reputation
- No cryptocurrency support
- Complex fee structure
Payment Methods
Supported payment methods comparison
PayArmorX
PayPal
Why Choose PayArmorX?
Key advantages over PayPal
Lower Fees
Save up to 72% on transaction fees compared to PayPal.
No Traditional Chargebacks
Blockchain-based payment conversion eliminates traditional card network chargebacks. Save on chargeback fees and disputes.
Instant Settlement
Get paid immediately. No waiting periods, no holds, no delays. Your money when you need it.
PayArmorX is Best For
- E-commerce businesses
- Digital goods merchants
- High-risk industries
- International businesses
- Crypto-friendly merchants
- Businesses wanting to eliminate chargebacks
PayPal is Best For
- E-commerce businesses
- International sellers
- Businesses targeting PayPal users
- Small businesses
- Marketplace sellers