Comparison

PayPal vs Airtm

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

Airtm

This app provides a US virtual account for non-US citizens to make direct dollar withdrawals. It supports over 500 payment methods for seamless conversion and withdrawal into local currency, offering a fast, secure, and borderless financial experience.

Highlights
  • US Virtual Account
  • Direct Dollar Withdrawals
  • 500+ Payment Methods
  • Local Currency Conversion
  • Secure Transactions
  • Borderless Finance
Features
Read full description

Get a US Virtual Account designed for non-US citizens, enabling direct withdrawals in dollars. Access 500+ payment methods to convert and withdraw your funds seamlessly into your local currency—fast, secure, and borderless. Get Paid Better with Airtm.

Screenshots

PayPal4 screens
Airtm4 screens

Verdict

The call

PayPal and Airtm both sit at 4.8 stars, but that hides the real split: 57% of Airtm's written reviews are positive against 21% of PayPal's. Airtm also leads on ads (none vs shown) and monetization model (free vs ad-supported). PayPal's advantage is ratings volume (6.3M vs 5.2K) and chart position (#6 vs unranked). On price, rating, update cadence 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

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for Airtm. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 5.2K, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 57% of Airtm's.

UpkeepUpdate frequency

PayPal ships an update weekly, Airtm every 4 days. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 6 level
PayPal versus Airtm: the parameters behind the verdict, then further details
ParameterPayPalAirtm
PriceFreeFree
Rating4.8 (6.3M ratings)4.8 (5.2K ratings) — better
Positive reviews20.7% of reviews57.4% of reviews — better
Number of ratings6.3M — better5.2K
Update frequencyWeeklyEvery 4 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank#6 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.417.0 — better
Further details — not scored
Size799 MB211 MB
Age rating4+4+
DeveloperPayPal, Inc.Airtm, Inc.

Customer experience

PayPal

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

Airtm

All ratings5,175 ratings
Positive96.0%
Neutral1.3%
Negative2.7%
Written reviews209 reviews
Positive57.4%
Neutral1.9%
Negative40.7%

User reviews

PayPal

From 6.3M App Store ratings

What we love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

Airtm

From 5.2K App Store ratings

What we love

  • 🚀 Great, easy to use
  • 👍 User-friendly interface
  • 💰 Useful for receiving payments
  • 🌎 Works across countries
  • 🔒 Secure transactions

Room to improve

  • 🐛 Occasional crashes and bugs
  • 🚫 Restricted for US users
  • 💳 Withdrawal issues and limitations
  • 🤖 Poor customer support
  • 🔒 Account restrictions and blocks

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

Airtm

Reported bugs

3 issues
  • Login screen freezes
  • Compatibility issues with older devices
  • Unreliable P2P transactions

Requested features

3 requests
  • Add biometric login option
  • Improve withdrawal options and process
  • Enhance customer support responsiveness

In-app purchases

None

PayPal

No in-app purchases

None

Airtm

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Airtm free?
Airtm is free to download, with no in-app purchases.
Which has better reviews, PayPal or Airtm?
Airtm is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Airtm averages 4.8 from 5.2K ratings.
Do PayPal or Airtm have ads?
PayPal shows ads; Airtm does not.
Which is updated more often, PayPal or Airtm?
PayPal ships an update weekly, and Airtm every 4 days. Most recently, PayPal was updated on November 7, 2026 and Airtm on November 3, 2026.

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