Follow Us:

Merchant Account vs. a PayPal


A PayPal business account comes with a lot of advantages, and so does a personal account. In this article, you will know the difference between merchant accounts vs Paypal accounts The merchant account manages the funds of the business enterprise.

It accepts payment via several means for the entrepreneur. Having such a feature in PayPal is an advantage for both the application and the user. This allows the user to accept multiple payments at a time, making it easier for both him and his customer.

EVERYBODY WINS!!! However, having a personal account has merits of its own. A personal account is built to suit an individual’s use. Nothing fancy, just a means of receiving and disbursing funds. We will shed more light on the advantages the merchant account has over the personal account.

Merchant account vs paypal account

Merchant account vs Paypal Account

Accept payments:

This is one of the biggest advantages merchant accounts have over personal accounts. Once Paypal has verified your account, there is no limit on the amount you can withdraw or accept. Paypal Business accounts have the privilege to accept and withdraw as much as they want. Personal accounts, on the other hand, have a limit on how much they can withdraw at a time. Also, merchant accounts can accept payments through debit and credit cards. Due to the nature of the account, it has to be able to accept payments from customers via several means. Personal accounts don’t have that because it’s not mainly a necessity for them.

Payment in person:

Entrepreneurs have the opportunity to get a card reader from Paypal. This gives them the edge to be able to accept payments in the store or on the go.

Immediate access:

Using the PayPal Business Debit Card, you can use the funds in your business account to get whatever goods or services you want anytime, anywhere.


Owning a business account grants you the opportunity to use your website as an e-commerce web portal that sends customers to Paypal’s website if its a standard business account but if its a Pro-business account, the operation would take place on your website, however, a pro comes with a monthly charge of $35. Your being a portal for Paypal has reached a level of popularity already. Since it has the function, people will use it more because it makes payment easier for them.

Merchant account


This is also another significant advantage of merchant accounts. Business owners have the privilege of getting a loan from Paypal if they want to. Paypal can provide a loan between five thousand dollars to a massive amount of five hundred thousand dollars. These loans come with terms and conditions, though. To be eligible for it, you must pass a credit check, and your firm must be at least nine months old with a forty-two thousand dollar revenue. You can also put your repayment plan at a fixed rate as long as it’s between three months to one year.

With these points, we see and understand the merits business accounts have over a regular Paypal business account. Nevertheless, this doesn’t mean personal accounts don’t have advantages over business accounts. 

I hope after reading this guide by 5 Star Processing you will be able to know the difference between merchant accounts and Paypal accounts. For best High-risk merchant account visit 5 Star Processing.


Send Us A Message



    More Posts