GetPayment vs PayPal
Why high-risk merchants abandon PayPal for GetPayment: no account suspension risk, transparent pricing, and dedicated support.
⚠️ The PayPal Risk: Account Suspension
PayPal can suspend your account without warning, freeze your funds for 180 days, and deactivate you if you're in a high-risk industry or breach their terms. GetPayment never suspends accounts—we specialize in supporting merchants PayPal rejects.
GetPayment Advantages
- Zero account suspension risk—we specialize in high-risk
- CBD, Crypto, Forex, Adult, Gaming all welcome
- Transparent interchange-plus pricing (no hidden fees)
- Dedicated account manager & 24/7 phone support
- Funds never frozen—you control settlements
- Accepts chargebacks 3%+ (PayPal limits to 1.5%)
- No sudden deactivation or policy changes
- Multi-acquiring bank redundancy for uptime
- Custom rates based on your actual volume
PayPal Strengths
- Wide brand recognition & consumer trust
- Integrated with eBay ecosystem
- Simple setup (instant account)
- PayPal balance wallet for customers
- Buyer protection built-in
- Works for low-risk, low-volume merchants
Detailed Feature Comparison
| Feature | GetPayment | PayPal | Winner |
|---|---|---|---|
| Pricing Model | Interchange-plus (transparent) | 2.2% + $0.30 or 3.49% + $0.49 | GetPayment |
| Authorization Rates | 96-98% (optimized) | Standard processing | GetPayment |
| High-Risk Support | CBD, Crypto, Forex, Adult, Gaming | Limited, account suspension risk | GetPayment |
| Chargeback Limits | Accepts 3%+ | Under 1.5% (automatic suspension) | GetPayment |
| Account Reliability | Dedicated acquiring bank | Risk of account freeze | GetPayment |
| Settlement Time | 1-2 business days | 1-2 business days | Tie |
| Application Time | 24-48 hours | Instant (manual review) | GetPayment |
| Dedicated Support | Yes, 24/7 | Email support (slow) | GetPayment |
| API Flexibility | Full control & customization | Limited customization | GetPayment |
| Volume Discounts | Yes, custom rates | Limited, tiered only | GetPayment |
Data sources: PayPal official pricing (2.2%-3.49%), GetPayment underwriting data from 1000+ merchants (2025–2026), PayPal account suspension policies from official terms
Why Merchants Switch From PayPal
Account Suspension
- Frozen funds for 180 days
- No warning, immediate deactivation
- Lost customer access
Hidden Fees
- Tiered pricing (2.2%-3.49%)
- International transaction fees
- Currency conversion markup
Industry Restrictions
- CBD & Cannabis banned
- Crypto & Forex forbidden
- Adult industry suspended
GetPayment Pricing
Model
Interchange-plus (transparent)
Typical Rates
1.5-2.5% + $0.15
$300k/month processing
Est. $4,500-7,500
vs PayPal: ~$8,600
✓ Savings: ~$1k-4k/month
PayPal Pricing
Model
Flat tiered rates
Standard Rates
2.2% + $0.30 to 3.49%
$300k/month processing
~$8,600
+ International fees if applicable
Plus account suspension risk cost (unquantifiable)
Industry Support Comparison
| Industry | GetPayment | PayPal |
|---|---|---|
| CBD & Cannabis | ✓ Accepted | ✗ Banned |
| Crypto Exchanges | ✓ Accepted | ✗ Suspended |
| Forex Trading | ✓ Accepted | ✗ Restricted |
| Adult & Dating | ✓ Accepted | ✗ Banned |
| Gaming & iGaming | ✓ Accepted | ✗ Restricted |
| Telecom Services | ✓ Accepted | ✓ Accepted |
| Low-Risk Retail | ✓ Accepted | ✓ Accepted |
Escaping PayPal? We've Got You.
In 5 days, we'll have you processing with zero account suspension risk. No fees to switch, full technical support throughout migration.
Learn How We Migrate YouPeople Also Ask
How often does PayPal suspend merchant accounts?
PayPal suspends thousands of merchant accounts annually. While exact numbers aren't published, merchant forums and industry reports document widespread suspension for: exceeding 1.5% chargeback ratio, processing in "restricted" industries (CBD, crypto, adult, forex), policy violations, or unusual account activity. Suspensions can freeze funds for 180 days. Source: PayPal User Agreement Section 7.4, merchant community reports
Can I get my PayPal funds back if my account is frozen?
PayPal can hold funds for up to 180 days if your account is suspended. You can appeal the suspension, but appeals often take weeks or months. GetPayment never freezes customer funds—you control your settlement schedule and have direct access to your processor relationship. Source: PayPal Resolution Center policies
What's the actual difference in fees between PayPal and GetPayment?
Example: $300k/month processing: PayPal charges 2.2% + $0.30 per transaction = ~$8,600/month. GetPayment's interchange-plus (avg 1.9%) = ~$6,100/month. Savings: $2,500/month or $30,000/year. Calculation based on Visa/Mastercard interchange rates (2026) and PayPal official pricing
Is GetPayment available for merchants in the CBD, crypto, or adult industries that PayPal bans?
Yes. GetPayment specializes in the exact industries PayPal prohibits: CBD, cannabis, crypto, forex, adult, gaming, and nutraceuticals. We partner with acquiring banks that explicitly support these verticals. See our industry solutions for your specific business type.
PayPal vs GetPayment: FAQs
Will GetPayment ever suspend my account?
No. We specialize in high-risk merchants. Suspension is not part of our business model—we earn by supporting merchants PayPal rejects. Your only way out is if you commit fraud.
How is GetPayment safer than PayPal?
We use dedicated acquiring banks and transparent contracts. No arbitrary policy enforcement. Your funds are your funds—we never freeze them as punishment.
Can I process both PayPal payments and GetPayment on my site?
Yes. You can run both in parallel during migration, then switch fully once you're confident in GetPayment.
What if I have chargebacks with GetPayment?
We accept merchants with up to 3%+ chargebacks. We provide tools & strategies to reduce them, but we don't suspend you for having them.
Is GetPayment available in my country?
We focus on US-based merchants. If you're outside the US, let's chat—some exceptions exist for high-volume operators.
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