Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
PayPal review
The widely recognised wallet and checkout button merchants trust.
Editor's score: 4.0 / 5 How we scoreWhat merchants say about PayPalFounded 1998San Jose, CA, USAListing updated
We may earn a commission if you sign up through our links. Premier and Verified are paid listing tiers and appear higher in the default sort. How we rank.
Visit websiteWrite a review- Online rate
- 2.99% + $0.49
- In-person rate
- 2.29% + $0.09
- Monthly fee
- $0
- Payout
- Instant
- Contract
- No contract
- PCI level
- Level 1
- Regions
- US, CA +3
Overview
PayPal is one of the most recognised names in online payments. Its express checkout button can lift conversion through buyer familiarity and trust, and setup is fast for small businesses.
Who it's for
Merchants who want a trusted checkout option live quickly, especially for cross-border consumer sales. Costs can run higher than interchange-plus alternatives at scale.
Best for
Small business
Cross-border
Quick setup
Regions
US
CA
EU
UK
Global
Industries
Retail
Services
Pros
- Trusted brand can lift checkout conversion
- Fast setup with no monthly fee
- Strong buyer and seller protection
Cons
- Higher headline rates at scale
- Account holds and reserves can be disruptive
Pricing
Pricing at a glance
3.49% + 49¢ for PayPal checkout; 2.99% for standard cards. No monthly fee.
- Pricing model
- Flat rate
- Contract
- No contract
- Free trial
- No
- Monthly minimum
- N/A
Fee breakdown
| Online card rate | 2.99% + $0.49 |
|---|---|
| In-person card rate | 2.29% + $0.09 |
| Keyed-in rate | 3.49% + $0.09 |
| International surcharge | +1.5% |
| ACH / bank rate | 0.8% (cap $5) |
| Monthly fee | $0 |
| Chargeback fee | $20 |
| Refund policy | Fees not returned on refunds |
Listing updated How we keep listings current
Features
Payment methods
- Visa
- Mastercard
- Amex
- Discover
- PayPal
- BNPL
- Wallets
Integrations & deployment
- Hosted checkout
- Shopify
- WooCommerce
- BigCommerce
- Payment links
- Invoicing
Capabilities
- Fraud protection
- Chargeback protection
- Reporting dashboard
- Recurring billing
At a glance
- Currencies
- 100+ currencies
- Payout
- Instant
- PCI level
- Level 1
- High-risk friendly
- No
Reviews
PayPal reviewsReview analysis
PayPal has one of the widest review splits in payments. Business reviewers on G2 rate it around 4.4 out of 5. Trustpilot has it at about 1.5 across nearly 37,000 reviews, and the Better Business Bureau at 1.1, with more than 28,000 complaints logged over three years. Almost all of that gap is one subject: accounts limited and funds held, which has also been the subject of class-action litigation.
Read the full PayPal review analysisWrite a review
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