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HL Hunt vs PayPal
PayPal is ubiquitous, and merchants pay for that with higher fees, 21-day holds, buyer-tilted dispute outcomes, and a checkout that sends customers off your site. HL Hunt gives you a branded checkout, published rates, same-day settlement, and a Dispute Agent on your side.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
| Feature | HL Hunt | PayPal |
|---|---|---|
| Online rate | 2.99% + $0.30, no add-ons | 3.49% + $0.49 (standard checkout) |
| Fund holds | None; underwriting up front | Up to 21-day holds common |
| Settlement | Same day | Balance; transfer fees for instant |
| Checkout | Branded, on your site | Redirect to PayPal |
| Dispute handling | Dispute Agent compiles evidence for you | Buyer-protection oriented |
| Subscription billing | Included, any model | Basic recurring |
| Payouts to others | Instant to card/bank, 180+ countries | PayPal balance payouts |
| Developer API | Open REST API, signed webhooks | REST, SDKs |
| Support | Humans 24/7 | Tiered |
- Same day
- Settlement, no 21-day holds
- Your brand
- On every checkout and receipt
- Dispute Agent
- Fights for the merchant
- $0
- Monthly, PCI, or setup fees
Why teams switch to HL Hunt
We never shut you down
Underwriting up front. No surprise reserves, frozen funds, or automated terminations.
AI agents included
Dispute, Fraud, Recovery, Reconciliation, Billing, Insights, and Support agents at no extra cost.
Published pricing
Every price on /pricing. No monthly fees, no setup fees, no contract.
Same-day settlement
Standard on every account, not an add-on with a fee.
Humans 24/7
A risk team and support team you can reach, every day.
One ledger
Payments, payouts, billing, and FX on one double-entry ledger with real-time reconciliation.
Ready to move from HL Hunt vs PayPal?
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Compare your statement
Share a recent statement and we will show you the exact difference at your volume.
- 02
Migrate without disruption
We import customers and tokenized cards so nobody re-enters a card.
- 03
Go live with agents on
From day one, AI agents fight disputes and recover failed payments for you.
Own your checkout and your cash flow
PayPal's brand recognition is real, but its model treats the merchant as the risk. Holds of up to 21 days on new or growing accounts, dispute outcomes that favor buyers, and a redirected checkout that breaks your funnel are the cost of that recognition.
HL Hunt flips it. Checkout stays on your site with your brand, funds settle the same day, and when a dispute arrives, the Dispute Agent builds the case for you. Wallet buttons like Apple Pay and Google Pay deliver the one-tap convenience customers associate with PayPal.
What changes
HL Hunt vs HL Hunt vs PayPal, side by side
| HL Hunt | HL Hunt vs PayPal | |
|---|---|---|
| Switching | We migrate your card vault and recurring plans | Export limits and re-authorizing customers |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. HL Hunt vs PayPal is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
HL Hunt vs PayPal is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up HL Hunt vs PayPal today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
HL Hunt vs PayPal FAQ
Can I still offer PayPal as an option?
Yes. PayPal is available as a payment method within HL Hunt checkout, so customers who prefer it can use it while you process everything else through HL Hunt.
Will my funds be held?
No. HL Hunt underwrites your account up front so settlements are not held for review.
How does dispute handling differ?
HL Hunt's Dispute Agent compiles evidence and submits a merchant response automatically for every network dispute.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.