POS System

PayHere vs PayPal — Which Payment Gateway for Sri Lankan Businesses?

DK Dinesh Kumara 29 May 2026 7 min read 120 words

PayHere vs PayPal: A Sri Lankan Business Perspective

Both PayHere and PayPal are available in Sri Lanka, but they serve different purposes.

PayHere

Best for: Local Sri Lankan customers paying in LKR.
Methods: Visa, Mastercard, Amex, eZ Cash, mCash, internet banking.
Fees: 2.5 to 3.9% per transaction, no monthly fee for basic plan.
Settlement: 3 to 5 business days to your Sri Lankan bank account.
Approval: Central Bank of Sri Lanka approved.

PayPal

Best for: International customers paying in USD, EUR, GBP.
Fees: 3.4 to 5% per transaction plus fixed fee.
Settlement: Withdrawal via Payoneer or direct (2 to 5 days).

SwiftPOS Dual Currency Solution

SwiftPOS supports both PayHere and PayPal simultaneously, displaying prices in LKR and USD using live exchange rates. Sell to both local and international customers without manual calculation.

Start with SwiftPOS Free — No Card Required

Sri Lanka's only POS with instalment credit, WhatsApp reminders, and VAT/SSCL reports. 200 products, free forever.

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Dinesh Kumara
Lead Developer · DKwebArt · SwiftPOS Creator
20+ years in web development and supply chain. Built SwiftPOS for Sri Lankan retail. Based in Minuwangoda, Sri Lanka.