Comparison

PayPal vs Raris

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Securely shop online and in-store, send and receive money globally, and manage your finances. Earn rewards with a debit card and track packages. Offers purchase protection and buy now, pay later options.

Highlights
  • Secure online and in-store shopping
  • Purchase protection
  • Earn rewards with debit card
  • Send and receive money globally
  • Buy Now, Pay Later options
  • Package tracking
  • Subscription management
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

Raris

Manage your exclusive precious metal payment account and access a dedicated concierge service. This app allows Raris members to view transactions, manage security, and use a virtual card for online purchases, all with zero FX markup and transaction fees.

Highlights
  • Manage payment account online
  • View balance and transaction history
  • Use virtual card for online purchases
  • Access 24/7 concierge service
  • Zero FX markup and transaction fees
  • Security settings management
Features
Read full description

You MUST contact us first in order to set up your account. You cannot apply on the app without an invitation. Is it possible to bring back that feeling of freedom and delight from when you used a card for the first time? ​Why not every time? ​The first hallmarked precious metal card in the world, produced by The Royal Mint, the most prestigious currency manufacturer in the world, and hallmarked by the pioneers in the field, the Goldsmiths' Company Assay Office. ​A payment account designed by AF Payments to meet the most exacting standards of functionality and security to deliver a sense of luxury in making payments. ​This is Raris. 00 Zero FX Markup Zero Transaction Fees You do not have to worry about transaction fees or currency conversion commissions. We apply no markups whatsoever to the Mastercard conversion rate. 18 Eighteen Karat Gold Your Raris account is accessed via the exquisite 18kt gold card specifically crafted for you by The Royal Mint. 24 Twenty-four / Seven Concierge As a Mastercard World Elite account holder, a dedicated concierge is at your service round the clock to assist. The Raris app provides Raris members access to manage their account online including security settings, viewing a balance, viewing transaction history, using a virtual card for online spend and many more functions.

Screenshots

PayPal4 screens
Raris4 screens

Verdict

The call

The clearest difference is ads: Raris at none against PayPal's shown. Raris also leads on rating (5.0 vs 4.8) and monetization model (free vs ad-supported). PayPal's advantage is update cadence (weekly vs every 3 months) and ratings volume (6.3M vs 1). On price and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Raris holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

PayPal ships an update weekly, Raris every 3 months. The most recent releases landed on November 4, 2026 and November 2, 2026 respectively.

Scorecard8 real differences · 3 level
PayPal versus Raris: the parameters behind the verdict, then further details
ParameterPayPalRaris
PriceFreeFree
Rating4.8 (6.3M ratings)5.0 (1 ratings) — better
Positive reviews20.7% of reviews—
Number of ratings6.3M — better1
Update frequencyWeekly — betterEvery 3 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.414.1 — better
Further details — not scored
Size799 MB258 MB
Age rating4+4+
DeveloperPayPal, Inc.ACCOMPLISH FINANCIAL LIMITED

Customer experience

PayPal

All ratings6,299,085 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews6,050 reviews
Positive20.7%
Neutral5.1%
Negative74.1%

Raris

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

Raris

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

Raris

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Raris free?
Raris is free to download, with no in-app purchases.
Which has better reviews, PayPal or Raris?
Raris is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Raris averages 5.0 from 1 ratings.
Do PayPal or Raris have ads?
PayPal shows ads; Raris does not.
Which is updated more often, PayPal or Raris?
PayPal ships an update weekly, and Raris every 3 months. Most recently, PayPal was updated on November 4, 2026 and Raris on November 2, 2026.

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