Mozart Pay vs PayPal
PayPal is widely recognised, but comes with held funds, account limitations, and high fees. Mozart Pay gives you gateway choice and control over your payment flow.
Held Funds vs Direct Settlement
PayPal holds your funds in their system and can freeze them during disputes. With Mozart Pay, payments go directly to your gateway accounts. Your money, your control.
Transparent Pricing
PayPal charges up to 2.9% + 30p per transaction with additional fees for currency conversion and international payments. Mozart Pay lets you use your own negotiated rates with each gateway.
Multi-Gateway vs Single Provider
PayPal is one provider. If they limit your account, your payments stop. Mozart Pay connects multiple gateways so you're never dependent on one.
Open Banking
PayPal doesn't offer open banking in the UK. Mozart Pay connects to TrueLayer and Fena for direct bank payments at lower fees than card processing.
Developer-First API
PayPal's API is complex with multiple integration paths. Mozart Pay offers a clean REST API that works the same regardless of which gateway processes the payment.
No Vendor Lock-in
PayPal customers expect to pay with PayPal. With Mozart Pay, customers pay with cards or bank transfers through whichever gateway you choose. Switch anytime.
Take control of your payments
Use your own gateway accounts. Keep your rates. Add redundancy.