ProPay allows you use their service as a virtual terminal to process orders by computer or phone or fax or mail or onsite orders.
3.25% + .35 p/transaction (if you process less than 3K p/mth)
Paypal charges extra for the virtual terminal service.
$30 p/mth ($360 annually)
3.4% p/transaction (if you process less than 3K p/mth)
As you can see, ProPay is far cheaper for this level of service. You can also add webpage shopping carts for ProPay with this and get a NACHI discount.
Many do not feel the need for a virtual terminal, so PayPal is cheaper in that case.
I like to have a back up system because a few rare customers despise PayPal and will not use it when they see that name and logo, or they claim their computer will not work with PayPals system. Regardless if this is real or imagined, it happens from time to time. I also like to take payments out in the field or by phone via CC, so I use ProPay for these reasons.
I also use PayPal for some other things.
Is your virtual terminal CC service cheaper?