PayPal

Does invoicing and taking payments. Its best showing is 2nd of 6 for invoicing, under “Best all-rounder”.

Momentum: Stable

Where it ranks

Each category it does, ranked under “Best all-rounder” exactly as on that category's own page.

Invoicing: 2ndof 6 (2nd of 6); Strongest on quick to set up, easy day to day and local fit.
Taking payments: 2ndof 2 (2nd of 2); Strongest on quick to set up, price as you grow and easy day to day.

Six of these are the same everywhere. Price to start and Local fit are for this country.

Price to start Deal-breaker: Fair3 out of 5; 5 means cheap or free for a small business today. The deal-breaker for Best on a budget.
Price as you grow Deal-breaker: Good4 out of 5; 5 means the bill barely moves as you add clients, staff or sales. The deal-breaker for Best as you grow.
Quick to set up Deal-breaker: Excellent5 out of 5; 5 means someone who isn’t an expert has it running in an afternoon. The deal-breaker for Easiest to start. A client can pay a PayPal invoice without either of you setting up anything else.
Easy day to day: Good4 out of 5; 5 means routine work is quick and pleasant.
Works with the rest: Good4 out of 5; 5 means connects cleanly to your bank and your other tools.
Local fit Deal-breaker: Good4 out of 5; 5 means handles this country’s tax, currency and bank feeds without workarounds. The deal-breaker for Best all-rounder, Best on a budget, Easiest to start and Best as you grow.
Help when stuck: Fair3 out of 5; 5 means a real person answers quickly.
Easy to leave: Fair3 out of 5; 5 means your data exports cleanly and you can switch away. Payment history exports, but clients who pay by PayPal often expect to keep paying that way.

Starting cost: 3.49% + $0.49 per payment, no monthly feeAdvertised: 3.49% + fixed fee · Usage-based (can climb) · Checked Sep 18, 2026 · Source
Worth knowing: Accepted almost everywhere, at a fee that climbs for cross-border payments.Source
Watch out for: Takes a fee on every payment