PayPal vs Skrill
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | PayPal | Skrill |
|---|---|---|
| Оценка | 3.6 / 5 | 3.6 / 5 |
| Лучше всего для | Online shopping & buyer protection | International online payments |
| Ежемесячная комиссия | Free | Free; EUR 5/mo inactivity after 12 months |
| Курс обмена | ~3–4% above wholesale rate | Up to 3.99% |
| Отправка / получение | Free friends/family same currency; goods & services fees apply | Free to other Skrill users |
| Выводы средств | Free standard bank transfer; ~1% instant | Varies by method |
| Карта | Limited (debit/credit in some markets, e.g. US) | Yes — prepaid Mastercard (region-dependent) |
| Доступность | 200+ countries/regions | 120+ countries |
| Валюты | 25 currencies | 40+ currencies |
| Регулирование | FinCEN (US), Luxembourg CSSF (EU) | UK FCA (Paysafe Group) |
| Основан | 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.
Плюсы
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Минусы
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Skrill
Skrill is a long-established Paysafe-owned e-wallet popular for online payments, trading and cross-border transfers, holding 40+ currencies with optional crypto and a prepaid Mastercard. It scores well on acceptance and features but its FX markup (up to 3.99%) and assorted withdrawal/inactivity fees make it pricier than newer neobanks. A solid choice where merchant acceptance matters more than cost.
Плюсы
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Минусы
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
Итог
В целом PayPal выходит вперёд с оценкой 3.6 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.