eCom Pay vs PayPal, which fits your business?

PayPal earned its place in every checkout. Whether it should be your primary payment provider is a different question, and the answer usually comes down to fees, fund holds and who picks up the phone.

Where PayPal wins. instant brand trust at checkout, a buyer base who pay with one click, and effortless setup. As an additional payment method alongside your main gateway, it earns its keep on conversion alone.

Where a specialist setup serves you better. when your business wants rates agreed against its own volume rather than a standard tariff, a named person to call, settlement you can plan cash flow around, dispute support on the merchant side, and approval for the specialist sectors that need deliberate underwriting.

What eCom Pay brings. tailored rates agreed with a specialist, next working day settlement, dispute support on your side of the table, deliberate underwriting for specialist sectors, a personal account manager available 24/7 by phone, WhatsApp or email. And you do not have to choose: many of our merchants run eCom Pay as the primary gateway with PayPal alongside as a payment option at checkout, which is the best of both.

Feature PayPal eCom Pay
Pricing modelFixed ratesTailored to your volume
Fund holdsCommon, up to 21 daysNext day settlement
Dispute handlingStandardised processMerchant-side dispute support
High risk industriesRestrictedSpecialist approval
SupportSelf serve firstUK phone around the clock
Open BankingNoYes, zero chargebacks
Works alongside the otherYesYes, run both

Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.

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