Cash App vs PayPal
type: Article
description: Cash App excels for peer-to-peer payments with lower fees (0% on standard transfers) and faster instant deposits ($0.50 fee), while PayPal offers broader merchant acceptance, buyer protection, and invoice capabilities for business users. Cash App is optimized for personal money transfers; PayPal serves both personal and business needs.
language: en-US
date published: 2026-07-08T23:25:58.646Z
date created: 2026-07-08T23:25:58.646Z
date modified: 2026-07-08T23:25:58.665Z
content reference time: 2026-07-08T23:25:58.665Z
author: A Versus B
publisher: A Versus B
about: Cash App
about: PayPal
abstract: Cash App excels for peer-to-peer payments with lower fees (0% on standard transfers) and faster instant deposits ($0.50 fee), while PayPal offers broader merchant acceptance, buyer protection, and invoice capabilities for business users. Cash App is optimized for personal money transfers; PayPal serves both personal and business needs.
text: Standard P2P Transfer Fee. Instant Withdrawal Fee. Merchant Acceptance. Business Features. Buyer Protection Coverage. Mobile App Rating (iOS). International Transfers
conclusion text: Choose Cash App if you primarily send money to friends and family domestically and want to avoid fees—its 0% transfer rate is unbeatable for casual P2P use. Choose PayPal if you need broader merchant acceptance, business invoicing tools, purchase protection, or international capabilities—it's the more comprehensive solution for diverse payment needs.
additional property: Total Users
  type: PropertyValue
  value: Cash App: 57 million MAU (Q1 2025) | PayPal: N/A
additional property: Annual Revenue
  type: PropertyValue
  value: Cash App: $16.2 billion (2024) | PayPal: N/A
additional property: App Rating
  type: PropertyValue
  value: Cash App: Not specified | PayPal: N/A
additional property: Bitcoin Revenue Contribution
  type: PropertyValue
  value: Cash App: 62% (2024) | PayPal: N/A
additional property: Parent Company Valuation (2026)
  type: PropertyValue
  value: Cash App: $30-40 billion estimated | PayPal: N/A
additional property: Small Business Growth Rate (2025)
  type: PropertyValue
  value: Cash App: Not specified | PayPal: N/A
additional property: Primary Feature Focus
  type: PropertyValue
  value: Cash App: Financial services & crypto | PayPal: N/A
additional property: Launch Year (Modern Era)
  type: PropertyValue
  value: Cash App: 2013 | PayPal: N/A
additional property: Transfer Speed
  type: PropertyValue
  value: Cash App: 1-3 business days | PayPal: N/A
additional property: Daily Transaction Limit
  type: PropertyValue
  value: Cash App: $20,000 | PayPal: N/A
additional property: Active User Base
  type: PropertyValue
  value: Cash App: Undisclosed | PayPal: N/A
additional property: Annual Transaction Volume (2025)
  type: PropertyValue
  value: Cash App: Undisclosed | PayPal: N/A
additional property: Investment Features
  type: PropertyValue
  value: Cash App: Stocks, ETFs, Bitcoin, crypto | PayPal: N/A
additional property: Standard Transfer Fee
  type: PropertyValue
  value: Cash App: $0 | PayPal: N/A
additional property: Cryptocurrency Support
  type: PropertyValue
  value: Cash App: Yes (Bitcoin, stablecoin 2026) | PayPal: N/A
additional property: Fraud Protection Rating
  type: PropertyValue
  value: Cash App: Good | PayPal: N/A
additional property: Banking Requirement
  type: PropertyValue
  value: Cash App: No (email/phone only) | PayPal: N/A
additional property: Available in United States
  type: PropertyValue
  value: Cash App: Yes | PayPal: N/A
additional property: Account Setup Time
  type: PropertyValue
  value: Cash App: 5-10 | PayPal: N/A
additional property: Mobile App Rating
  type: PropertyValue
  value: Cash App: 4.7 | PayPal: 4.1
  value reference: Cash App
additional property: Monthly Account Fee
  type: PropertyValue
  value: Cash App: $0 | PayPal: N/A
additional property: Early Direct Deposit Days
  type: PropertyValue
  value: Cash App: Not available | PayPal: N/A
additional property: Overdraft Protection Limit
  type: PropertyValue
  value: Cash App: $0 | PayPal: N/A
additional property: Surcharge-Free ATM Network
  type: PropertyValue
  value: Cash App: Limited network | PayPal: N/A
additional property: Cryptocurrency Support
  type: PropertyValue
  value: Cash App: Bitcoin and crypto available | PayPal: N/A
additional property: Stock/ETF Investing
  type: PropertyValue
  value: Cash App: Available with fractional shares | PayPal: N/A
additional property: Instant Transfer Fee
  type: PropertyValue
  value: Cash App: $0.25-$2.00 | PayPal: N/A
additional property: Minimum Account Balance
  type: PropertyValue
  value: Cash App: $0 | PayPal: N/A
additional property: Instant Transfer Fee
  type: PropertyValue
  value: Cash App: $0.25 | PayPal: 1.99% + $0.25
  value reference: Cash App
additional property: Countries Supported
  type: PropertyValue
  value: Cash App: 1 (US only) | PayPal: 200+ countries
  value reference: PayPal
additional property: Global User Base
  type: PropertyValue
  value: Cash App: 70 million users | PayPal: 432 million users
  value reference: PayPal
additional property: Buyer Protection Period
  type: PropertyValue
  value: Cash App: 10 business days | PayPal: 180 days
  value reference: PayPal
additional property: Crypto Assets Available
  type: PropertyValue
  value: Cash App: Bitcoin, Ethereum, Dogecoin, Bitcoin Cash, Litecoin | PayPal: Cryptocurrency checkout only
  value reference: Cash App
additional property: Monthly Active Users
  type: PropertyValue
  value: Cash App: 65+ million (2024) | PayPal: 435
  value reference: PayPal
additional property: Merchant Integrations
  type: PropertyValue
  value: Cash App: Minimal integration ecosystem | PayPal: 3.7 million merchants
  value reference: PayPal
additional property: Standard Transfer Time
  type: PropertyValue
  value: Cash App: 1-3 minutes | PayPal: 1-2 business days
additional property: Cryptocurrency Options
  type: PropertyValue
  value: Cash App: 4 (Bitcoin, Ethereum, Dogecoin, Litecoin) | PayPal: N/A
additional property: ATM Network Size
  type: PropertyValue
  value: Cash App: 70,000+ | PayPal: N/A
additional property: Maximum Fraud Protection
  type: PropertyValue
  value: Cash App: $250 | PayPal: N/A
additional property: Standard Bank Transfer Fee
  type: PropertyValue
  value: Cash App: $0 | PayPal: N/A
additional property: Group Expense Splitting
  type: PropertyValue
  value: Cash App: No (manual only) | PayPal: N/A
additional property: Standard Transfer Speed
  type: PropertyValue
  value: Cash App: 1-3 business days | PayPal: N/A
additional property: Maximum Monthly Transfer Limit
  type: PropertyValue
  value: Cash App: $60,000 (with verification) | PayPal: N/A
additional property: Participating Banks/Institutions
  type: PropertyValue
  value: Cash App: Standalone (not bank-dependent) | PayPal: N/A
additional property: Rush Transfer Fee
  type: PropertyValue
  value: Cash App: $2-$3 per transfer | PayPal: N/A
additional property: Investment Features Available
  type: PropertyValue
  value: Cash App: Stocks, ETFs, Bitcoin, direct deposit, paycheck splitting | PayPal: N/A
additional property: Fraud Protection Level
  type: PropertyValue
  value: Cash App: Limited consumer protection; $2,000 dispute limit | PayPal: N/A
additional property: Account Setup Time
  type: PropertyValue
  value: Cash App: Instant (phone number + email) | PayPal: 10-15 minutes
  value reference: Cash App
additional property: P2P Transfer Fee (Domestic)
  type: PropertyValue
  value: Cash App: 0% | PayPal: 1.75%
  value reference: Cash App
interactivity type: active
significant link: https://www.aversusb.net/entity/cash-app
significant link: https://www.aversusb.net/alternatives/cash-app
significant link: https://www.aversusb.net/entity/paypal
significant link: https://www.aversusb.net/alternatives/paypal
significant link: https://www.aversusb.net/api/answer/cash-app-vs-paypal)
significant link: https://www.aversusb.net/api/v1/schema/cash-app-vs-paypal)
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related link: https://www.aversusb.net/compare/paypal-vs-wise
teaches: How to choose between Cash App and PayPal
genre: Software

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Cash App vs PayPal — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Cash App
type: Organization
alternate name: CA
language: en-US
description: Square's peer-to-peer payment app focused on fee-free money transfers between individuals.
image: ImageObject
  caption: Cash App
subject of: Cash App vs PayPal
image: ImageObject
  caption: Cash App

PayPal
type: Thing
alternate name: Paypal
language: en-US
description: Global digital payments platform serving 426 million users with merchant, business, and personal payment solutions.
image: ImageObject
  caption: PayPal
subject of: Cash App vs PayPal
image: ImageObject
  caption: PayPal

Cash App vs PayPal — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Cash App vs PayPal. Contains 111 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Total Users
  type: PropertyValue
  value reference: User Base
variable measured: Annual Revenue
  type: PropertyValue
  value reference: Financial Performance
variable measured: App Rating
  type: PropertyValue
  value reference: User Satisfaction
variable measured: Bitcoin Revenue Contribution
  type: PropertyValue
  value reference: Cryptocurrency
variable measured: Parent Company Valuation (2026)
  type: PropertyValue
  value reference: Financial Performance
variable measured: Small Business Growth Rate (2025)
  type: PropertyValue
  value reference: Business Growth
variable measured: Primary Feature Focus
  type: PropertyValue
  value reference: Product Strategy
variable measured: Launch Year (Modern Era)
  type: PropertyValue
  value reference: Company History
variable measured: Transfer Speed
  type: PropertyValue
  value reference: Speed & Efficiency
variable measured: Daily Transaction Limit
  type: PropertyValue
  value reference: Limits
variable measured: Active User Base
  type: PropertyValue
  value reference: Scale
variable measured: Annual Transaction Volume (2025)
  type: PropertyValue
  value reference: Scale
variable measured: Investment Features
  type: PropertyValue
  value reference: Features
variable measured: Standard Transfer Fee
  type: PropertyValue
  value reference: Cost
variable measured: Cryptocurrency Support
  type: PropertyValue
  value reference: Features
variable measured: Fraud Protection Rating
  type: PropertyValue
  value reference: Security
variable measured: Banking Requirement
  type: PropertyValue
  value reference: Accessibility
variable measured: Available in United States
  type: PropertyValue
  value reference: Geography
variable measured: Account Setup Time
  type: PropertyValue
  value reference: Onboarding
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: User Experience
variable measured: Monthly Account Fee
  type: PropertyValue
  value reference: Fees
variable measured: Early Direct Deposit Days
  type: PropertyValue
  value reference: Banking Features
variable measured: Overdraft Protection Limit
  type: PropertyValue
  value reference: Banking Features
variable measured: Surcharge-Free ATM Network
  type: PropertyValue
  value reference: Banking Features
variable measured: Cryptocurrency Support
  type: PropertyValue
  value reference: Investing
variable measured: Stock/ETF Investing
  type: PropertyValue
  value reference: Investing
variable measured: Instant Transfer Fee
  type: PropertyValue
  value reference: Fees
variable measured: Minimum Account Balance
  type: PropertyValue
  value reference: Requirements
variable measured: Instant Transfer Fee
  type: PropertyValue
  value reference: Cost
variable measured: Countries Supported
  type: PropertyValue
  value reference: International Reach
variable measured: Global User Base
  type: PropertyValue
  value reference: Market Position
variable measured: Buyer Protection Period
  type: PropertyValue
  value reference: Protection
variable measured: Crypto Assets Available
  type: PropertyValue
  value reference: Features
variable measured: Monthly Active Users
  type: PropertyValue
  value reference: Reach & Scale
variable measured: Merchant Integrations
  type: PropertyValue
  value reference: Ecosystem
variable measured: Standard Transfer Time
  type: PropertyValue
  value reference: Speed
variable measured: Cryptocurrency Options
  type: PropertyValue
  value reference: Features
variable measured: ATM Network Size
  type: PropertyValue
  value reference: Accessibility
variable measured: Maximum Fraud Protection
  type: PropertyValue
  value reference: Security
variable measured: Standard Bank Transfer Fee
  type: PropertyValue
  value reference: Cost
variable measured: Group Expense Splitting
  type: PropertyValue
  value reference: Features
variable measured: Standard Transfer Speed
  type: PropertyValue
  value reference: Performance
variable measured: Maximum Monthly Transfer Limit
  type: PropertyValue
  value reference: Capacity
variable measured: Participating Banks/Institutions
  type: PropertyValue
  value reference: Integration
variable measured: Rush Transfer Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Investment Features Available
  type: PropertyValue
  value reference: Features
variable measured: Fraud Protection Level
  type: PropertyValue
  value reference: Security
variable measured: Account Setup Time
  type: PropertyValue
  value reference: Onboarding
variable measured: P2P Transfer Fee (Domestic)
  type: PropertyValue
  value reference: Pricing
variable measured: Instant Withdrawal Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Global Merchant Acceptance
  type: PropertyValue
  value reference: Usability
variable measured: Active Users
  type: PropertyValue
  value reference: Scale
variable measured: Buyer Protection Coverage
  type: PropertyValue
  value reference: Safety
variable measured: Mobile App Store Rating
  type: PropertyValue
  value reference: User Satisfaction
variable measured: Business Invoice Feature
  type: PropertyValue
  value reference: Business Tools
variable measured: Credit/Debit Card Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Withdrawal to Bank Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Countries Supported
  type: PropertyValue
  value reference: Coverage
variable measured: Peer-to-Peer Transfer Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Transaction Limit (Weekly)
  type: PropertyValue
  value reference: Limits
variable measured: Business Tools
variable measured: Transfer Speed (to Bank)
variable measured: Fraud Protection
variable measured: Social Features
variable measured: Biometric Authentication
variable measured: Setup Complexity
variable measured: Average Transaction Speed (Domestic P2P)
variable measured: P2P Transfer Fee
variable measured: Supported Countries
is based on: https://www.aversusb.net/compare/cash-app-vs-paypal)

Cash App vs PayPal — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Cash App vs PayPal.
has defined term: User Base
has defined term: Financial Performance
has defined term: User Satisfaction
has defined term: Cryptocurrency
has defined term: Business Growth
has defined term: Product Strategy
has defined term: Company History
has defined term: Speed & Efficiency
has defined term: Limits
has defined term: Scale
has defined term: Features
has defined term: Cost
has defined term: Security
has defined term: Accessibility
has defined term: Geography
has defined term: Onboarding
has defined term: User Experience
has defined term: Fees
has defined term: Banking Features
has defined term: Investing
has defined term: Requirements
has defined term: International Reach
has defined term: Market Position
has defined term: Protection
has defined term: Reach & Scale
has defined term: Ecosystem
has defined term: Speed
has defined term: Performance
has defined term: Capacity
has defined term: Integration
has defined term: Pricing
has defined term: Usability
has defined term: Safety
has defined term: Business Tools
has defined term: Coverage
has defined term: Adoption
has defined term: Merchant Integration
has defined term: Scale & Reach
has defined term: Operations
has defined term: Developer Experience
has defined term: Hardware
has defined term: Background
has defined term: International Transfers
has defined term: Payment Ecosystem
has defined term: Value
has defined term: International
has defined term: Transfer Speed
has defined term: Customer Support
has defined term: Implementation
has defined term: Risk Management

User Base
type: DefinedTerm
term code: user-base
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

User Satisfaction
type: DefinedTerm
term code: user-satisfaction
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Cryptocurrency
type: DefinedTerm
term code: cryptocurrency
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Business Growth
type: DefinedTerm
term code: business-growth
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Product Strategy
type: DefinedTerm
term code: product-strategy
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Company History
type: DefinedTerm
term code: company-history
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Speed & Efficiency
type: DefinedTerm
term code: speed-&-efficiency
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Limits
type: DefinedTerm
term code: limits
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Features
type: DefinedTerm
term code: features
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Cost
type: DefinedTerm
term code: cost
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Security
type: DefinedTerm
term code: security
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Geography
type: DefinedTerm
term code: geography
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Onboarding
type: DefinedTerm
term code: onboarding
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Banking Features
type: DefinedTerm
term code: banking-features
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Investing
type: DefinedTerm
term code: investing
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Requirements
type: DefinedTerm
term code: requirements
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

International Reach
type: DefinedTerm
term code: international-reach
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Protection
type: DefinedTerm
term code: protection
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Reach & Scale
type: DefinedTerm
term code: reach-&-scale
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Ecosystem
type: DefinedTerm
term code: ecosystem
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Speed
type: DefinedTerm
term code: speed
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Performance
type: DefinedTerm
term code: performance
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Capacity
type: DefinedTerm
term code: capacity
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Integration
type: DefinedTerm
term code: integration
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Safety
type: DefinedTerm
term code: safety
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Business Tools
type: DefinedTerm
term code: business-tools
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Coverage
type: DefinedTerm
term code: coverage
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Adoption
type: DefinedTerm
term code: adoption
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Merchant Integration
type: DefinedTerm
term code: merchant-integration
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Scale & Reach
type: DefinedTerm
term code: scale-&-reach
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Operations
type: DefinedTerm
term code: operations
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Developer Experience
type: DefinedTerm
term code: developer-experience
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Hardware
type: DefinedTerm
term code: hardware
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Background
type: DefinedTerm
term code: background
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

International Transfers
type: DefinedTerm
term code: international-transfers
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Payment Ecosystem
type: DefinedTerm
term code: payment-ecosystem
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Value
type: DefinedTerm
term code: value
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

International
type: DefinedTerm
term code: international
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Transfer Speed
type: DefinedTerm
term code: transfer-speed
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Customer Support
type: DefinedTerm
term code: customer-support
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Implementation
type: DefinedTerm
term code: implementation
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

Risk Management
type: DefinedTerm
term code: risk-management
in defined term set: Cash App vs PayPal — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-08T23:25:58.665Z
author: A Versus B
publisher: A Versus B
is part of: cash-app-vs-paypal)
main entity: Which app is better for paying friends?
  type: Question
  accepted answer: Answer
    text: Cash App is superior for peer-to-peer payments—it charges 0% on standard transfers versus PayPal's 1.75%. However, PayPal offers buyer protection if you're paying for goods or services. For pure friend-to-friend money splitting, Cash App saves you money.
    language: en-US
main entity: Can I use Cash App or PayPal to pay for online shopping?
  type: Question
  accepted answer: Answer
    text: PayPal is accepted at 29 million+ merchants online and in-store, making it the clear winner for shopping. Cash App has limited merchant acceptance through Cash App Pay at select retailers. If you want a universal online payment method, PayPal is essential.
    language: en-US
main entity: Which is safer for receiving payments?
  type: Question
  accepted answer: Answer
    text: PayPal provides $500 purchase protection on goods/services transactions, protecting both buyers and sellers. Cash App's protection is limited—friends & family transfers are unprotected. If you're receiving payment for items or services, PayPal offers stronger security.
    language: en-US
main entity: How long do withdrawals take?
  type: Question
  accepted answer: Answer
    text: Cash App offers instant deposits for $0.50, while standard transfers take 1-3 business days for free. PayPal's instant transfer option costs $0.25-$1.50 depending on the method, with standard transfers taking 1-3 days. Both are comparable in speed for standard transfers.
    language: en-US
main entity: Can I send money internationally?
  type: Question
  accepted answer: Answer
    text: PayPal supports international transfers to 200+ countries through its Xoom integration with competitive rates. Cash App does not offer international transfers—it only works for domestic (US) payments. For global money movement, PayPal is your only option.
    language: en-US

How to Choose Between Cash App and PayPal
type: HowTo
description: Cash App excels for peer-to-peer payments with lower fees (0% on standard transfers) and faster instant deposits ($0.50 fee), while PayPal offers broader merchant acceptance, buyer protection, and invoice capabilities for business users. Cash App is optimized for personal money transfers; PayPal serves both personal and business needs.
language: en-US
total time: PT3M
step: Consider: Standard P2P Transfer Fee
step: Consider: Instant Withdrawal Fee
step: Consider: Merchant Acceptance
step: Consider: Business Features
step: Consider: Buyer Protection Coverage
step: Consider: Mobile App Rating (iOS)
step: Consider: International Transfers
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Cash App if you primarily send money to friends and family domestically and want to avoid fees—its 0% transfer rate is unbeatable for casual P2P use. Choose PayPal if you need broader merchant acceptance, business invoicing tools, purchase protection, or international capabilities—it's the more comprehensive solution for diverse payment needs.

Consider: Standard P2P Transfer Fee
type: HowToStep
position: 1
text: Standard P2P Transfer Fee: Cash App has 0%, while PayPal has 1.75% for standard transfers.

Consider: Instant Withdrawal Fee
type: HowToStep
position: 2
text: Instant Withdrawal Fee: Cash App has $0.50, while PayPal has $0.25-$1.50 (varies by method).

Consider: Merchant Acceptance
type: HowToStep
position: 3
text: Merchant Acceptance: Cash App has Limited (Cash App Pay at select retailers), while PayPal has Accepted at 29 million+ merchants globally.

Consider: Business Features
type: HowToStep
position: 4
text: Business Features: Cash App has Cash App for Business (invoicing, receipts), while PayPal has Full suite: invoicing, multi-user accounts, advanced reporting.

Consider: Buyer Protection Coverage
type: HowToStep
position: 5
text: Buyer Protection Coverage: Cash App has Limited protection (friends/family transfers unprotected), while PayPal has $500 purchase protection + seller protection.

Consider: Mobile App Rating (iOS)
type: HowToStep
position: 6
text: Mobile App Rating (iOS): Cash App has 4.6 stars (2.8M reviews), while PayPal has 4.5 stars (2.2M reviews).

Consider: International Transfers
type: HowToStep
position: 7
text: International Transfers: Cash App has Not available, while PayPal has Available in 200+ countries with xoom integration.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Cash App vs PayPal
review body: Cash App excels for peer-to-peer payments with lower fees (0% on standard transfers) and faster instant deposits ($0.50 fee), while PayPal offers broader merchant acceptance, buyer protection, and invoice capabilities for business users. Cash App is optimized for personal money transfers; PayPal serves both personal and business needs.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Cash App vs PayPal

Instant Withdrawal Fee
type: PropertyValue
value: Cash App: $0.50 flat | PayPal: $0.25-$1.50 (variable)

Global Merchant Acceptance
type: PropertyValue
value: Cash App: <1 million (Cash App Pay only) | PayPal: 29+ million merchants

Active Users
type: PropertyValue
value: Cash App: 70-75 million (US-focused) | PayPal: 426 million globally
value reference: PayPal

Buyer Protection Coverage
type: PropertyValue
value: Cash App: Limited (friends/family unprotected) | PayPal: $500 purchase protection
value reference: PayPal

Mobile App Store Rating
type: PropertyValue
value: Cash App: 4.6/5 (2.8M reviews) | PayPal: 4.5/5 (2.2M reviews)
value reference: Cash App

Business Invoice Feature
type: PropertyValue
value: Cash App: Yes (Cash App for Business) | PayPal: Yes (advanced invoicing suite)

Credit/Debit Card Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 2.99%

Withdrawal to Bank Fee
type: PropertyValue
value: Cash App: N/A | PayPal: Free

Countries Supported
type: PropertyValue
value: Cash App: N/A | PayPal: 200+

Peer-to-Peer Transfer Fee
type: PropertyValue
value: Cash App: N/A | PayPal: Free (bank account)

Transaction Limit (Weekly)
type: PropertyValue
value: Cash App: N/A | PayPal: No published limit

Business Tools
type: PropertyValue
value: Cash App: N/A | PayPal: Invoicing, payment collection, reports

Transfer Speed (to Bank)
type: PropertyValue
value: Cash App: N/A | PayPal: 2-3 business days

Fraud Protection
type: PropertyValue
value: Cash App: N/A | PayPal: Comprehensive buyer/seller protection

Social Features
type: PropertyValue
value: Cash App: N/A | PayPal: Basic transaction history

Biometric Authentication
type: PropertyValue
value: Cash App: N/A | PayPal: 50% (2026 target)

Setup Complexity
type: PropertyValue
value: Cash App: N/A | PayPal: Complex with business verification

Average Transaction Speed (Domestic P2P)
type: PropertyValue
value: Cash App: N/A | PayPal: 1,440-4,320 minutes (1-3 business days)

P2P Transfer Fee
type: PropertyValue
value: Cash App: N/A | PayPal: $0 (friends/family with bank account)

Supported Countries
type: PropertyValue
value: Cash App: N/A | PayPal: 200+ countries

Active User Base
type: PropertyValue
value: Cash App: N/A | PayPal: 435 (global)

Buyer Protection Coverage Maximum
type: PropertyValue
value: Cash App: N/A | PayPal: $100,000

Merchant Acceptance Network
type: PropertyValue
value: Cash App: N/A | PayPal: 15+ million merchants

Goods & Services Transaction Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 3.49% + $0.49

Participating US Financial Institutions
type: PropertyValue
value: Cash App: N/A | PayPal: Direct signup (not institution-dependent)

Active Registered Users
type: PropertyValue
value: Cash App: N/A | PayPal: 435 million

Domestic US P2P Transfer Fee
type: PropertyValue
value: Cash App: N/A | PayPal: Free

Annual Payment Volume
type: PropertyValue
value: Cash App: N/A | PayPal: $936 billion

Settlement Speed
type: PropertyValue
value: Cash App: N/A | PayPal: 24-48 hours standard

Fraud Detection Accuracy
type: PropertyValue
value: Cash App: N/A | PayPal: 98.2%

Minimum Annual Volume Requirement
type: PropertyValue
value: Cash App: N/A | PayPal: No minimum

API Integration Complexity
type: PropertyValue
value: Cash App: N/A | PayPal: 3-7 days typical

Standard Transaction Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 2.2-3.49%

Annual Cost on $100k Transaction Volume
type: PropertyValue
value: Cash App: N/A | PayPal: $2,203

Developer API Satisfaction Score
type: PropertyValue
value: Cash App: N/A | PayPal: 85%

Standard Settlement Time
type: PropertyValue
value: Cash App: N/A | PayPal: 1-2 days

Fraud Detection Chargeback Reduction
type: PropertyValue
value: Cash App: N/A | PayPal: Basic AVS/CVV only (~8%)

Setup Complexity
type: PropertyValue
value: Cash App: N/A | PayPal: 5-15 minutes

Payment Methods Supported
type: PropertyValue
value: Cash App: N/A | PayPal: 100+

In-Person Transaction Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 2.99% + $0.30

Online Transaction Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 2.99% + $0.30

Minimum POS Hardware Cost
type: PropertyValue
value: Cash App: N/A | PayPal: $0 (optional)

Year Founded
type: PropertyValue
value: Cash App: N/A | PayPal: 1998

Inventory Management Features
type: PropertyValue
value: Cash App: N/A | PayPal: Basic (PayPal Tracking)

International Transfer Fee
type: PropertyValue
value: Cash App: N/A | PayPal: $4.99-7.99

Exchange Rate Markup
type: PropertyValue
value: Cash App: N/A | PayPal: 2-3%

Multi-Currency Account Options
type: PropertyValue
value: Cash App: N/A | PayPal: 10-15 currencies

Average Transfer Speed
type: PropertyValue
value: Cash App: N/A | PayPal: 1-3 business days

Merchant Acceptance
type: PropertyValue
value: Cash App: N/A | PayPal: 29+ million

Typical Savings on $1,000 Int'l Transfer (vs bank)
type: PropertyValue
value: Cash App: N/A | PayPal: $20-30 savings

Supported Currencies
type: PropertyValue
value: Cash App: N/A | PayPal: 25 currencies

International Transfer Speed
type: PropertyValue
value: Cash App: N/A | PayPal: 1-5 business days

Dispute Resolution Time
type: PropertyValue
value: Cash App: N/A | PayPal: 60 days

Transfer Speed (Domestic)
type: PropertyValue
value: Cash App: N/A | PayPal: 1,440-4,320 minutes (1-3 days standard)

Peer-to-Peer Transfer Fee
type: PropertyValue
value: Cash App: N/A | PayPal: 1.9% + $0.30

Participating US Banks/Credit Unions
type: PropertyValue
value: Cash App: N/A | PayPal: N/A (standalone platform)

Daily Transfer Limit (Typical)
type: PropertyValue
value: Cash App: N/A | PayPal: $20,000+

Per-Transaction Fixed Fee
type: PropertyValue
value: Cash App: N/A | PayPal: $0.30

Average Setup Time
type: PropertyValue
value: Cash App: N/A | PayPal: 1-3 days

Merchant User Base
type: PropertyValue
value: Cash App: N/A | PayPal: 24M+ active merchants (2024)

Chargeback Protection
type: PropertyValue
value: Cash App: N/A | PayPal: 100% (eligible transactions)

Monthly Minimum Fee
type: PropertyValue
value: Cash App: N/A | PayPal: $0

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
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Cash App — Wikipedia
type: CreativeWork

PayPal — Wikipedia
type: CreativeWork

Compare Cash App vs PayPal
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/cash-app-vs-paypal)
object: Cash App
object: PayPal

Business Tools
type: PropertyValue
value reference: Features

Transfer Speed (to Bank)
type: PropertyValue
value reference: Speed

Fraud Protection
type: PropertyValue
value reference: Security

Social Features
type: PropertyValue
value reference: Features

Biometric Authentication
type: PropertyValue
value reference: Security

Setup Complexity
type: PropertyValue
value reference: User Experience

Average Transaction Speed (Domestic P2P)
type: PropertyValue
value reference: Performance

P2P Transfer Fee
type: PropertyValue
value reference: Cost

Supported Countries
type: PropertyValue
value reference: Coverage

Active User Base
type: PropertyValue
value reference: Adoption

Buyer Protection Coverage Maximum
type: PropertyValue
value reference: Protection

Merchant Acceptance Network
type: PropertyValue
value reference: Merchant Integration

Goods & Services Transaction Fee
type: PropertyValue
value reference: Cost

Participating US Financial Institutions
type: PropertyValue
value reference: Accessibility

Active Registered Users
type: PropertyValue
value reference: Scale & Reach

Domestic US P2P Transfer Fee
type: PropertyValue
value reference: Pricing

Annual Payment Volume
type: PropertyValue
value reference: Scale & Reach

Settlement Speed
type: PropertyValue
value reference: Operations

Fraud Detection Accuracy
type: PropertyValue
value reference: Security

Minimum Annual Volume Requirement
type: PropertyValue
value reference: Requirements

API Integration Complexity
type: PropertyValue
value reference: Integration

Standard Transaction Fee
type: PropertyValue
value reference: Pricing

Annual Cost on $100k Transaction Volume
type: PropertyValue
value reference: Pricing

Developer API Satisfaction Score
type: PropertyValue
value reference: Developer Experience

Standard Settlement Time
type: PropertyValue
value reference: Operations

Fraud Detection Chargeback Reduction
type: PropertyValue
value reference: Security

Setup Complexity
type: PropertyValue
value reference: Operations

Payment Methods Supported
type: PropertyValue
value reference: Features

In-Person Transaction Fee
type: PropertyValue
value reference: Pricing

Online Transaction Fee
type: PropertyValue
value reference: Pricing

Minimum POS Hardware Cost
type: PropertyValue
value reference: Hardware

Year Founded
type: PropertyValue
value reference: Background

Inventory Management Features
type: PropertyValue
value reference: Features

International Transfer Fee
type: PropertyValue
value reference: International Transfers

Exchange Rate Markup
type: PropertyValue
value reference: International Transfers

Multi-Currency Account Options
type: PropertyValue
value reference: Features

Average Transfer Speed
type: PropertyValue
value reference: Performance

Merchant Acceptance
type: PropertyValue
value reference: Payment Ecosystem

Typical Savings on $1,000 Int'l Transfer (vs bank)
type: PropertyValue
value reference: Value

Supported Currencies
type: PropertyValue
value reference: International

International Transfer Speed
type: PropertyValue
value reference: Transfer Speed

Dispute Resolution Time
type: PropertyValue
value reference: Customer Support

Transfer Speed (Domestic)
type: PropertyValue
value reference: Performance

Peer-to-Peer Transfer Fee
type: PropertyValue
value reference: Cost

Participating US Banks/Credit Unions
type: PropertyValue
value reference: Accessibility

Daily Transfer Limit (Typical)
type: PropertyValue
value reference: Limits

Per-Transaction Fixed Fee
type: PropertyValue
value reference: Pricing

Average Setup Time
type: PropertyValue
value reference: Implementation

Merchant User Base
type: PropertyValue
value reference: Market Position

Chargeback Protection
type: PropertyValue
value reference: Risk Management

Monthly Minimum Fee
type: PropertyValue
value reference: Pricing