Updated September 28, 2026 · VaultCue Editorial Team
PayPal Kenya vs Paysera
PayPal Kenya
Paysera
Higher score in this comparison
PayPal Kenya vs Paysera: the differences
| Compare | PayPal KenyaReviewSee alternativesSee alternatives | PayseraReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | 4.99 USD per international personal transfer from PayPal balance or bank account; 4.99 USD + 3.4% + fixed fee if funded by card; free for domestic transfers | SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client) |
| Delivery time | In just a few minutes | Immediately in EUR within Paysera network and SEPA; USD from 1 hour up to 1 business day; GBP 1 to 3 business days |
| Payout methods | Bank, Wallet | Bank, Cash pickup, Card |
| Currencies | 25 | 30Higher |
| Fee to send 1,000 | $4.99 | €0 |
| Exchange rate markup | 3% to 4% | Not confirmed |
| Licence type | Not confirmed | E money |
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Key differences
- Paysera scores higher overall: 9.1 vs 9.0.
- Paysera is available in 83 more countries.
- Payout methods: only PayPal Kenya offers Wallet.
- Payout methods: only Paysera offers Cash pickup, Card.
- Currencies is higher at Paysera: 30 vs 25.
- Support channels: only Paysera offers Phone, Email.
Our verdict on each
PayPal Kenya
PayPal Kenya suits people who already hold a balance and want money to land In just a few minutes in a bank account or wallet. Costs are the weaker side: an exchange rate margin of 3% to 4% and a card surcharge on $4.99 per international transfer limit its use abroad.
Paysera
Paysera suits businesses holding several currencies and settling in euro. Fees are €0 a month, the rate is variable, and balances sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | PayPal Kenya | Paysera |
|---|---|---|
| Cost | 8.5Exchange rate margin of 3% to 4% sits above the market median of 0.9%, and card funding stacks a percentage on $4.99. | 9.1HigherMonthly fee is €0 and transfers in other currencies carry €0, with a variable rate. |
| Offer | 8.7Money reaches the recipient In just a few minutes and lands in a bank and wallet account, across 25 currencies. | 9.1Higher |
| Trust | 9.6 | Not confirmed |
Positions in our rankings
| Ranking | PayPal Kenya | Paysera |
|---|---|---|
| Money transfer services | 265 of 1564 | 220 of 1564 |
What each covers
| Payout methods | PayPal Kenya | Paysera |
|---|---|---|
| Bank | Yes | Yes |
| Cash pickup | No | Yes |
| Wallet | Yes | No |
| Card | No | Yes |
If neither fits
Skrill has currencies at 47, against 25 for PayPal Kenya and 30 for Paysera.
Skrill reviewWhat we checked
PayPal Kenya
- paypal.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
Paysera
- paysera.lv: 5 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- paysera.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | PayPal Kenya | Paysera |
|---|---|---|
| Legal entity | PayPal Pte. Ltd. | "Paysera LT", UAB |
| Headquarters | United States | Lithuania |
| Founded | 1998 | Not confirmed |
| Support channels | Help centre | Phone, Email, Help centreCovers more |
Everyday accounts
| Fact | PayPal Kenya | Paysera |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Audience | Not confirmed | Business |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Digital only |
| Local account details | Not confirmed | IBAN |
Where each stands against the rest
| Fact | PayPal Kenya | Paysera | Median |
|---|---|---|---|
| Exchange rate markup | 3% to 4%highest quarter | Not confirmed | 0.64 |
| Currencies | 25highest quarter | 30highest quarter | 6 |
Median across 497 listed accounts.
Pros and cons
PayPal Kenya
Pros
- Money arrives In just a few minutes, so a send rarely holds up a payment.
- Payouts land in a bank account or a wallet, the two options under bank and wallet.
- Covers 25 currencies, above the 5 median across the services on the site.
Cons
- Card funding adds a percentage plus a fixed fee on top of $4.99 for the same international transfer.
- The exchange rate margin of 3% to 4% sits well above the 0.9% median across the market, so cross-border amounts land lighter than sent.
- Support runs on help centre only, with no phone or live chat route listed for a stuck payment.
Paysera
Pros
- Account administration is free, with a monthly charge only after a long stretch with no login or payment
- Balances are covered by EU DGS up to EUR 100,000 under the EU deposit guarantee
- 30 currencies with iban for receiving payments
Cons
- The rate is variable, so the return on balances can change
- Transfers in other currencies carry €0 and can take longer than euro ones
- The account is digital only, so everything runs through the app
Who each suits
PayPal Kenya
Who it suits
- People already holding a PayPal balance who value speed over the sharpest exchange rate, since money arrives In just a few minutes.
- Anyone whose recipient can take payment into a bank account or a wallet, as bank and wallet sets out.
- Households sending money within Kenya, where the transfer fee is free on domestic transfers.
Who should look elsewhere
- PayPal Colombia, where the transfer fee from a balance or a linked bank account is a percentage, so the fixed $4.99 here is easier to budget.
- Skrill, whose bank transfers carry no transfer charge and whose card funding runs at a percentage, which suits card funded sends better.
- Paysera, where euro transfers to SEPA and Paysera users are free and other currency routes carry listed charges.
Paysera
Who it suits
- Businesses that invoice in several currencies and settle in euro
- Firms paying suppliers abroad through SEPA transfers
- Anyone who wants a euro IBAN with no monthly charge
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose rate is fixed and suits card users rather than multi-currency holders
- Plazo ES, whose rate is fixed for a fixed term rather than easy access
- XTB, whose FSCS up to GBP 85,000 sits under a different scheme
Country by country
| Country | PayPal Kenya | Paysera |
|---|---|---|
| Albania | No | Yes |
| Algeria | No | Yes |
| Argentina | No | Yes |
| Armenia | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Azerbaijan | No | Yes |
| Bahrain | No | Yes |
8 of 85 countries where either is available.
Questions about each
PayPal Kenya
What does PayPal Kenya charge to send money abroad?+
An international personal transfer from a PayPal balance or a linked bank account costs $4.99. Funding the same payment with a card adds a percentage plus a fixed fee on top of that amount, so card funding is the costlier route. Transfers that stay within Kenya are free under the same fee schedule.
What is the exchange rate margin on PayPal Kenya?+
The exchange rate margin is 3% to 4%, taken on the amount being converted. The median margin across the services on the site is 0.9%, so the margin here is wide and applies on every cross-currency send, on top of any transfer fee.
Paysera
How much does a Paysera account cost each month?+
Account administration is free, and the monthly fee is €0. A charge applies only after a full year with no login or payment, so a quiet account is not billed for the first stretch. There is also a fee per transfer once the free allowance is used up.
What happens to my money if Paysera fails?+
Eligible balances are covered by EU DGS up to EUR 100,000, which is paid by the national deposit guarantee scheme. The licence behind the account is PSD_EMI LT_LT_BL_300060819. Balances held above the guarantee limit sit outside that cover, so larger sums may be worth keeping elsewhere.
Other options to compare
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Related by the facts
PayPal Kenya
Paysera