Difference Between PayPal Personal and PayPal Business

October 18, 2021

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.

1. PayPal Personal

When using PayPal Personal, submitting the form will take you to the secure PayPal payment page where you will be asked to log in to your PayPal account to pay. 

There is a Pay with Debit or Credit Card button provided on the payment page but only if you choose to enable Paypal Account Optional or also known as Guest Checkout within your PayPal account settings. 

Click HERE to access your PayPal preferences and enable PayPal Account Optional.

Note that the PayPal Account Optional setting may be available on your account, but that will work only if your account is created inside the supported countries like the US, Canada, and the UK. 

Clicking the Pay with Debit or Credit Card button will take you to a separate page where you can enter your payment details.

Here are demo forms you can try:

PayPal Personal (US Account): https://www.jotform.com/201627135009043.

PayPal Personal (Non-US Account): https://www.jotform.com/201636595604963.

2. PayPal Business

Using PayPal Business in the form allows your customer to pay directly in the form. It does not redirect you to the PayPal payment page regardless of the Payment Method that you choose: Debit or Credit Card or PayPal. That provides your customer with a seamless checkout experience.

Choosing Debit or Credit Card will open the following section to enter the card details:

Choosing PayPal will open the following section with the PayPal buttons. This section includes the smart payment buttons of PayPal. These buttons (alternative payment methods) are displayed according to the country of the user. Here is the list of alternative payment methods of PayPal Business.

Clicking the PayPal Checkout button will open a popup where you can log in to your PayPal account. 

Once logged in, choose your funding method and click the Pay button. The Pay button also will also automatically submit the form. 

Here’s a demo form you can try PayPal Business: https://form.jotform.com/201635781378967

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 using 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 table from PayPal: https://www.paypal.com/en/webapps/mpp/paypal-fees 

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

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