Comparison

PayPal vs Virtual Pag

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

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
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

Virtual Pag

Access your Pag-IBIG Fund records, including savings and loans, directly from your mobile device. Make online payments, apply for short-term loans, and monitor your loan status with ease.

Highlights
  • View savings and MP2 records
  • Monitor loan balances
  • Track payments
  • Apply for short-term loans
  • Online payment options
  • Check loan status
Features
Read full description

The official mobile app of Pag-IBIG Fund The Virtual Pag-IBIG Mobile App lets you instantly view your Pag-IBIG records, pay online, apply for a short-term loan, and know your loan status – all on your phone or tablet! Enjoy the convenience of easy access with the Virtual Pag-IBIG Mobile App. Install now to feel Pag-IBIG everywhere you go! VIEW YOUR RECORDS • Check your Regular Savings • See your Modified Pag-IBIG 2 (MP2) grow • Monitor annual dividends earned by your Pag-IBIG Regular Savings and MP2 Savings • Track your payments and check the outstanding balance of your loans anytime For more information, go to www.pagibigfund.gov.ph, call 8Pag-IBIG or (02) 8724-4242, or send an e-mail to contactus@pagibigfundgov.ph.

Screenshots

PayPal4 screens
Virtual Pag4 screens

Verdict

The call

The clearest difference is rating: PayPal at 4.8 against Virtual Pag's 2.8. PayPal also leads on update cadence (weekly vs every 2 months) and ratings volume (6.3M vs 13). Virtual Pag's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). 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

PayPal holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 21% of PayPal's written reviews are positive against 0% of Virtual Pag's.

UpkeepUpdate frequency

PayPal ships an update weekly, Virtual Pag every 2 months. The most recent releases landed on September 24, 2026 and August 7, 2026 respectively.

Scorecard9 real differences · 2 level
PayPal versus Virtual Pag: the parameters behind the verdict, then further details
ParameterPayPalVirtual Pag
PriceFreeFree
Rating4.8 (6.3M ratings) — better2.8 (13 ratings)
Positive reviews21.4% of reviews — better0.0% of reviews
Number of ratings6.3M — better13
Update frequencyWeekly — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.413.1 — better
Further details — not scored
Size767 MB132 MB
Age rating4+4+
DeveloperPayPal, Inc.Pag-IBIG Fund

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,622 reviews
Positive21.4%
Neutral5.1%
Negative73.4%

Virtual Pag

All ratings13 ratings
Positive38.5%
Neutral7.7%
Negative53.8%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

Virtual Pag

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

Virtual Pag

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Virtual Pag free?
Virtual Pag is free to download, with no in-app purchases.
Which has better reviews, PayPal or Virtual Pag?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Virtual Pag averages 2.8 from 13 ratings.
Do PayPal or Virtual Pag have ads?
PayPal shows ads; Virtual Pag does not.
Which is updated more often, PayPal or Virtual Pag?
PayPal ships an update weekly, and Virtual Pag every 2 months. Most recently, PayPal was updated on September 24, 2026 and Virtual Pag on August 7, 2026.

Other comparisons