KRM vs PayPal.Me
Both give you a personal link that others can use to pay you. They differ in what the payer can pay for and how payments are processed.
What each service is designed for
KRM
KRM gives individuals, creators, service providers and sellers one payment link and QR code tied to their KRM ID. A payer opens the link or scans the code, chooses what the payment is for — a tip, a money gift, a service, a product, a monthly subscription or a campaign — and pays by card or, where the device supports it, Apple Pay or Google Pay. Payers do not need a KRM account. Payments are processed by the payment provider (currently Stripe) through the recipient's connected account; KRM is not a wallet and does not hold balances.
PayPal.Me
PayPal.Me is PayPal's personal payment link (paypal.me/YourName). Anyone can send you money through it where PayPal.Me is available in their country or region, without knowing your email address or phone number, and you can add an amount to the link.
At a glance
| Feature | KRM | PayPal.Me |
|---|---|---|
| Personal payment link | Yes — one link tied to your 9-digit KRM ID | Yes — paypal.me/YourName; an amount can be added to the link |
| What the payer needs | No KRM account; pays by card or a supported wallet | Sends through PayPal; does not need your email address or phone number |
| Payment types | Tip, gift, service, product, monthly subscription, campaign and booking | Money sent to your PayPal account; business accounts can only accept Goods and Services payments |
| Where the money goes | To the recipient's connected payment-provider account; KRM holds no balances | Your PayPal account |
| Who can receive | Needs a connected Stripe account; availability depends on the recipient's country | Works where PayPal.Me is available in the sender's country or region |
| Fees | KRM fee (0% below USD 5 or equivalent, 5% base at or above) plus the provider's processing fees | No fee to open an account or set up the link; transaction fees are set by PayPal and depend on country and payment type |
Fees: platform fee and payment processing
KRM
KRM's standard platform fee is 0% on payments below USD 5 (or EUR 5, GBP 4, SAR 18 or AED 18) and a 5% base fee on payments at or above that amount. The payment provider's processing fees are separate: the provider sets them, and they can vary by country and payment method. KRM has no monthly plan fee; its fee is deducted only when you receive a payment. Individually agreed KRM partner contracts can set a different platform fee.
PayPal.Me
PayPal states that it does not charge a fee to open an account or set up a PayPal.Me link. Transaction fees are published by PayPal per country and depend on the type of payment, on whether it is domestic or international, and on currency conversion; for example, PayPal Australia lists no fee for receiving domestic personal payments without currency conversion. Check PayPal's fee page for your country.
Which option costs less depends on the amount, the type of payment, the currency, the country and the plan, so compare the published fee structures for your own situation.
Who might prefer KRM?
- You want the payer to choose what the payment is for — a tip, gift, service, product, booking, subscription or campaign — on one page.
- You want a QR code that opens your payment page, for example printed where you work.
- You want payers to pay by card or a supported wallet through KRM's checkout.
Who might prefer PayPal.Me?
- You and the people paying you already use PayPal.
- You want to receive personal payments from friends and family in your PayPal account.
- You need PayPal today — KRM's PayPal option is not active yet.
Frequently asked questions
What is the difference between KRM and PayPal.Me?
PayPal.Me is a link for sending money to your PayPal account. KRM is a payment page behind one link and QR code where the payer chooses a payment type and pays by card or a supported wallet, processed through your connected Stripe account.
Is KRM a PayPal.Me alternative?
It can be if you want a payment page with several payment types and a QR code. If you need payments to arrive in a PayPal account, PayPal.Me does that and KRM currently does not.
Do payers need an account?
On KRM, no: payers do not need a KRM account. PayPal says senders do not need your email address or phone number to use your PayPal.Me link.
Get your KRM payment link
Create an account, connect your payment account and share one link and QR code for tips, gifts, services, bookings, products and subscriptions.
Official sources
- PayPal Help — What is PayPal.Me? (2026-10-18)
- PayPal Australia — Consumer fees (example market; the US page returned a security check on the check date) (2026-10-18)
PayPal.Me and other product names and trademarks belong to their respective owners. KRM is independent and is not affiliated with, endorsed by or sponsored by PayPal.Me.