Difference Between PayPal Personal and PayPal Business

June 26, 2022

There are two common types of PayPal payment methods offered by Jotform for online forms. Namely, the following:

  • PayPal Personal (Personal Account)
  • PayPal Business (Business Account)

People often ask, what are the differences between the two? Well, the short answer is the checkout experience. 

Here are the known differences between the two PayPal payment types.

PayPal Personal

When using PayPal Personal, your form will redirect your customers to the secure PayPal payment page when they submit your form. They have two options to pay:

  • Log in and pay with their preferred funding method with PayPal.
  • Pay with Debit or Credit Card – this only works when you enable the PayPal Account Optional or Guest Checkout.


  • The PayPal Account Optional or Guest Checkout is only available to supported countries like the US, Canada, and the UK. If you created your account within these countries, click here to access your PayPal preferences, and enable PayPal Account Optional feature.
  • If you did not enable the Guest Payment/Checkout or if you created your account outside of the supported countries, your customers will see the Create Account button instead.

When your customers click the Pay with Debit or Credit Card button, a separate page will open where they can enter the payment details.


Here are demo forms you can try:

PayPal Business

Using PayPal Business allows your customer to pay directly in the form. It does not redirect them to the PayPal payment page regardless of the payment method they choose. That provides your customer with a seamless checkout experience. They have two options:

  • Debit or Credit Card
  • PayPal

If your customers choose the Debit or Credit Card option, they must enter their card details, as shown in the image below.


If they choose PayPal, the PayPal Checkout button is displayed. Once they click the button, they must log in to their PayPal account to pay.



PayPal may provide your customers with an Alternative Payment Method (APM) based on their location. For example, Sofort and iDEAL for customers from the Netherlands. Please check the following link from PayPal for the complete list.

Here’s a demo form you can try PayPal Business.

Setting Up an Account

When using PayPal Personal, all you need to do is use an existing PayPal Personal account. Enter your PayPal email address/username on the PayPal Payment wizard, and you’re ready to make transactions.

While with PayPal Business, you’ll need a PayPal Business account. You can create your PayPal Business account easily online. For credit card payments, PayPal may require extra information about your company. That’ll take up to an average of 3-6 working days to get approval.

Merchant Fees

There are no differences in the transaction fees between PayPal Personal & PayPal Business. For Fees, please check this pricing table from PayPal.

What’s your pick? Please tell us your thoughts in the comments section below.

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