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.