Paypal Here

Learn more about Paypal Here. Includes Paypal Here key information, pricing, customer reviews, and FAQs.

Updated on December 11th, 2019

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Paypal Here is a mobile credit card reader that accepts secure credit card payments in person or on-the-go from a compatible device. PayPal Here allows users to process credit card payments, track sales, create invoices, and more from a compatible mobile device.


Type of Transaction

Pricing Per Card Swipe

Card present transactions


Keyed transactions

3.5% + $0.15

PayPal transactions in store


Cross-border transactions


Cross-border transactions (keyed transactions)

5% + $0.15

Paypal Here

Pros: Features an easy-to-use interface with great mobile compatibility and no monthly fees or commitments.

Cons: PayPal Here is not ideal for businesses with high transaction volumes.

Bottomline: A great contract-free service that is compatible with an extensive range of devices and predictable flat-rate pricing.

Key Information:

Legal Name

PayPal, Inc.


Peter Thiel

Founding Date

Dec 01, 1998


2211 North First Street, San Jose, California, USA 95131

Number of Employees


Number of Customers



+1 408-967-1000



Can I use PayPal Here for personal use?

PayPal Here will automatically update any user with a personal account to a business account upon sign up. Users must be approved by PayPal to use PayPal Here.

How long does it take to get approved for PayPal here?

PayPal Here approval typically takes up to 48 hours, particularly if any documents are needed.

What does PayPal Here cost?

PayPal Here's pricing is based on a flat fee, ranging from 2.7% to 5% + $0.15 per transaction.

Does PayPal Here have a monthly fee?

No, PayPal Here does not require a monthly fee or contract.

Does PayPal report to the IRS?

PayPal will report to the IRS if you reach $20,000 in gross payment volume from goods and services sales in a single year as well as 200 payments for goods or services in the same year.

Does PayPal Here run a credit check?

To access PayPal Here, you will first need to sign up for a PayPal account, and PayPal may run a credit check before or while setting up your account.

Does PayPal Here work on laptops?

Yes. PayPal Here is available for free from the Windows Store and is compatible with PC, laptop, and mobile devices. You will still need to request a mobile card reader.

Does PayPal Here hold funds?

PayPal Here has a weekly limit of $500.00 for keyed-in or swiped cards and any payments above this limit processed in a rolling 7 day period will be held by PayPal for 30 days.

Can you use PayPal Here offline?

Yes, PayPal Here allows users to accept payments on the go with a smartphone or tablet.

Can PayPal Here accept payments over the phone?

Yes. You can use the PayPal Here app to accept payments over the phone. Simply tap on card number and enter the customer's card number, expiry date, 3 digit CVV number, and postal code. You can then send a receipt via email or phone after the payment has been authorized.

What tablets are compatible with PayPal Here?

PayPal Here is compatible with iOS devices, iPad devices, and selected Android smartphones and tablets. You can find a full list on PayPal's website.

Can PayPal Here track inventory?

PayPal Here only offers an inventory catalog tool. However, you can integrate it with Shopventory for a fully-featured inventory tracking tool that automatically imports all your PayPal Here data.

Customer Reviews:


Reviewed: Jul 17, 2015

Source: Reddit

I don't get the hate for PayPal. I've always liked it. I sell stuff online all the time and have never had an issue. 3% feels reasonable for worry free transactions.


Reviewed: Jul 15, 2019

Source: Reddit

I have been using PayPal Here as my main credit card payment gateway for about 5+ years. Today I decided to switch to Square because of a key feature that Square has but PayPal Here lacks: OFFLINE MODE

I was selling product at a farmers market and today the cellular provider (ATT) experienced a network outage in the area. I was no longer able to process credit card transactions as a result. Other vendors near me said they also experienced the outage but were able to continue taking credits card payments using Square because they can go on Offline mode where the transactions are held in queue in memory until such time the device reconnects to the internet again.

This was a huge blow to my business to be limited to cash only transactions. I lost many sales today as a result and now that I know I could have avoided this by using Square, I regret not switching earlier.


Reviewed: Jul 18, 2015

Source: Reddit

I use PayPal Here for my mobile payments. Never had any problems. Lowest rates of the all the options out there and easy to transfer funds to my bank account.

There is a lot of bandwagon hate for PayPal on Reddit for some reason.


Reviewed: Jul 17, 2015

Source: Reddit

Paypal is not the best. Go with Stripe. Same amount of money but better features such as managing coupons for your various campaigns. Also, you do not store secure information on your server just as with Paypal. There is dwolla which is pretty cheap but they require your customers to pay via their bank account.


Reviewed: Jul 25, 2018

Source: Reddit

I also use paypal here- I used square first (before it was linked to Etsy) and I hated having to wait for the deposit to go through (I have craft supplies to buy ASAP!)

I just have the basic swipe reader (Do the basic ones come with a chip reader now?) and I really like it. The app is great and easy to use, and I like the business debit card so I can use my money in person as soon as I get it. It's definitely the better choice for me.

i wouldn't worry about it not counting towards your Etsy sales, you'll get there eventually :)