Poll: Do You Prefer to Use Paypal or Credit Card to Buy Online?


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I believe pretty much all of you have purchased at least one thing online in the past, right? And most of you probably purchase online regularly, be it goods on eBay, ebooks and courses or web hosting.

The question that I wanted to ask is: Do you prefer to use Paypal or credit card for those online purchases?

I know that one can also pay with a credit card via Paypal, but for this poll I am asking about using the funds on your Paypal account for the payment versus using your credit card directly in the payment form provided by the merchant on his website. Which one do you prefer?

Both options have pros and cons. Paypal is easier and quicker when you get the hang of it, and it also protects your credit card information. However, there are many people who complain about Paypal’s interface and people who had problems with their accounts over time.

Paying with a credit card enables you to charge back if you don’t get what you expected, and usually credit card companies offer good fraud protection. However, exposing your credit card information online has some risks as we all know.

Have your say in our poll, and do leave a comment if you want to share your experience or opinion on one of these payment methods.

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51 Responses to “Poll: Do You Prefer to Use Paypal or Credit Card to Buy Online?”

  • Dave Doolin

    Interesting result. I used to loathe Paypal, now I like it a little better than credit card.

  • Bryan Knight

    For me, PayPal is like not paying — I’m just delving into funds from stuff I’ve sold.

  • Yuen

    Paypal: Faster, Safer and flexible.

  • ContestHeat.com

    I prefer paypal, I don’t like to give to multiple sites my credit card’s account

  • crankberry

    the reason I prefer paypal is not because its safer but it reduces the hassle of retyping or grabbing out my credit card every single time.

  • Steve

    @ AnastasiaCarroll: You realize using your credit card online is at least as safe as, and very probably safer than, using it in a “brick and mortar” store?

  • Steve

    For larger purchases ($20 and up, generally) I prefer to use my credit card. I don’t worry about interest, because we pay our cards off in full each month. (For us, a credit card is simply a debit card that is accepted everywhere.)

    For smaller purchases, I prefer PayPal. I also use PayPal almost exclusively when I buy downloadable software.

  • tsitalia

    Paypal without any doubt, ususally is easy.

  • LetUpdate

    I like simplicity in paypal. 😀

  • James G.

    @ Hal — You can use your PayPal account and designate that your payment comes from the credit card that’s linked to your account. That way, you don’t have to give out your CC number to the seller, and you can still get the rewards associated with your CC — a win-win situation.

  • Blake @ Props Blog

    I used paypal for a long time, but since getting a credit card with rewards points, I’ve started using that more frequently. Both are easy to use. I had no idea that credit cards charged sellers more than paypal does though. I heard that paypal recently hiked their prices a tiny bit.

  • Melvin

    well just to let you know guys. paypal has locked my account a ton of time claiming its been accessed by third party. Although its been always restored, its still a pain in the ass to actually go through all the entire process of unlocking..

    and still i voted for paypal..

  • Hal

    I don’t see any more danger using a credit card than PayPal. PayPal has your both my CC and bank account info.

    In fact, my CC company pays me to use the card(s). There is always some danger using a CC online, or anywhere else. What really bothers me is allowing a restaurant server to take it to a backroom out of my site.

    The only safe thing to use is (gasp!) cash – not an online option of course. What we need online is some sort of token system – buy tokens and use them in lieu of of either PP or CC.

  • Kim

    As someone who lives in a country where I can’t connect paypal to my bank account a credit card is the only option. Something to remember if you’re looking at a global business model.

  • Chris

    I mainly use paypal simply because of the credit card feature.

  • AnastasiaCarroll

    I prefer to pay with a credit card. I have a special card to pay online where I don’t have much money so that there’s really nothing to steal 🙂

  • Digigirl

    PayPal screwed me over a few years ago – to the tune of over $2,000 (which they *still* have). They have total control over your money and there is no recourse if they arbitrarily decide that you aren’t you, even after you’ve submitted every single form of identification they’ve requested.

    Consequently, I prefer credit cards. Unfortunately, PayPal is so prevalent now, there are some things you *have* to use them for, especially if you want to get paid with some services. So, my boyfriend has an account and we use that.

    But heed my warning – don’t leave too much money in there at a time. That way if PayPal decides to get weird on you, you won’t lose too much.

  • Daniel Scocco

    @Navjot, why would someone want to vote twice in such a poll? There is nothing to win here, we are just trying to find how people prefer to make payments online.

  • Daniel Scocco

    @Satish, but you don’t have any fees as a buyer.

    Even if you are a seller, Paypal fees are inline with the ones charged by credit card companies (and it can even become lower if you sell a lot).

    For example, Visa usually charges around 3,7% per transaction, while on Paypal I get 2,9%.

  • Navjot Singh

    It seems a single person can vote multiple times.


    Only problem with PayPal is, its high transaction fee!

  • Daniel Scocco

    @V.C., when you buy using Paypal you don’t need to pay any fee. It is the seller that bears the fee burden.

  • Prisqua

    Paypal is easy and sometimes a bit easier if you have to request a refund.
    But I do not mind using my credit card as well.

  • George Serradinho

    I use both depending if the service or product can be bought using PayPal or not. If the funds are there in PayPal, then use it. If not, then use your CC.

  • Daniel Scocco

    Ops, poll open again, sorry about that.

  • Navjot Singh

    It seems the poll is closed by mistake coz there is only 1 vote and we can’t vote anymore.

  • V.C

    I use both and I prefer none of them.
    Paypal is fast, easy to manage but the fee is too high.
    Credit card is dangerous for everyone.
    I love online shopping but maybe we need a new way to purchase money on the internet.

  • Stefano Gorgoni

    both. it really depends on what i’m buying, where, and so on…

  • Ben

    Since I don’t do credit cards, my only option is paypal. Work’s great for me since it is interest free.

  • GetBrowser

    Paypal. Convenient, easy and reliable.

Comments are closed.