PayPal vs Skrill
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | PayPal | Skrill |
|---|---|---|
| Note | 3.6 / 5 | 3.6 / 5 |
| Idéal pour | Online shopping & buyer protection | International online payments |
| Frais mensuels | Free | Free; EUR 5/mo after 6 months without a login or transaction |
| Taux de change | ~3–4% above wholesale rate | 4.49% (Skrill reference rate) |
| Envoyer / recevoir | Free friends/family same currency; goods & services fees apply | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retraits | Free standard bank transfer; ~1% instant | 1.75% to a bank account (min EUR 3.50) |
| Carte | Limited (debit/credit in some markets, e.g. US) | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilité | 200+ countries/regions | 120+ countries |
| Devises | 25 currencies | Multiple currency balances |
| Réglementation | FinCEN (US), Luxembourg CSSF (EU) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Création | 1998 | 2001 |
PayPal
PayPal is the most widely accepted online payment service, valued for its buyer protection and near-universal merchant coverage. Its convenience comes at a cost: currency conversion markups of roughly 3–4% and layered international fees make it expensive for cross-border transfers compared with dedicated specialists. Best suited to online shopping rather than low-cost money movement.
Avantages
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Inconvénients
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Skrill
Skrill is a Paysafe e-wallet built for paying online merchants and trading platforms, with several currency balances and an optional prepaid Mastercard. Fees are its weak spot next to neobanks: a 4.49% FX fee, 2.99% to send money to other users and 1.75% (min EUR 3.50) to withdraw to a bank, plus EUR 5 a month after six months of inactivity. Use it where a merchant asks for Skrill, not as your multi-currency account.
Avantages
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Inconvénients
- 4.49% FX fee is high next to neobanks
- EUR 5/mo inactivity fee after 6 months
- 1.75% bank withdrawal fee (min EUR 3.50)
En résumé
Globalement, PayPal prend l'avantage avec une note de 3.6 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.