Based on the examples given in the article and at https://www.paypal.com/webapps/workingcapital/success, which are presumably the most favorable ones possible for both companies given the nature of PR, Paypal also charges less than half as much ($800 on a $20k loan for Paypal vs $1k on a $10k loan for Square). That might be misleading, though, because Paypal's case study doesn't mention the repayment period.
I got a call the other day offering the working capital / the offer terms were absolutely amazing. I think some of that though was because they knew from our account we most likely didn't need the money.. Paypal also matched our CC rate to get us to accept Paypal on the site. I warned them when I signed up 'I've heard the horror stories and any sign of that and we're done' .. been 2 years and still great
