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.
No reviews yetFounded 1998San Jose, CA, USAListing updated
- Starting rate
- 2.99% + $0.49
- 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
No reviews yet. Be the first to share your experience with PayPal.
Write a review
Share your experience with PayPal. Reviews are moderated before they appear.
Alternatives to PayPal
Compare these
Enterprise-grade global payments on a single platform.
Interchange + 0.60% + $0.13
online rate
$0
monthly fee
T+2
payout
Enterprise
Global
Omnichannel
A PayPal company offering developer-friendly online payments.
2.89% + $0.29
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
PayPal users
A long-established payment gateway for online and MOTO payments.
2.9% + $0.30
online rate
$25
monthly fee
Varies
payout
Traditional businesses
MOTO
Virtual terminal