As a payment service provider, PayPal offers both a gateway and a processor. However—and this is a big however—it does not offer individual gateways or processors to merchants.When using PayPal, or any payment aggregator compared to a payment gateway, your transactions are funneled through an aggregate gateway, processor, and merchant account. These channels belong to PayPal and you pay to access their channel. As such, these channels cannot be customized to meet the exact needs of your business⁠. Additionally, PayPal may freeze or terminate your services if you violate their terms of service, which typically impose more limitations than traditional gateway providers.As a payment solution, PayPal’s services may be set up quickly and are easy to use, but they are neither customizable nor completely reliable.