Accounting & Finance
PayPal
From Custom
Small online sellers whose customers expect a PayPal or Venmo button, and businesses that already invoice through PayPal.
Quick overview
- Pricing
- No monthly fee for standard checkout; 2.99% + 49¢ for card payments, 3.49% + 49¢ for PayPal Checkout
- Plans
- US merchant fees (page last updated October 1, 2026). Commercial transactions: PayPal Checkout, Guest Checkout and Pay with Venmo 3.49% + $0.49; Standard Credit and Debit Card Payments 2.99% + $0.49; Pay Later 4.99% + $0.49; QR code 2.29% + fixed fee. Invoicing: same card and PayPal rates, plus Pay by Bank (ACH) at 1% capped at $10. PayPal Online Payment Services (subject to approval): Advanced Credit and Debit Card Payments 2.89% + $0.29; Virtual Terminal 3.39% + $0.29; ACH Services 0.80% capped at $5; Payments Advanced $5/month; Payments Pro $30/month. PayPal POS: card present 2.29% + $0.09, manual entry 3.49% + $0.09; Card Reader $29 for the first unit ($79 each after), Terminal $199 ($239 with barcode scanner). International transactions: +1.5%. Chargeback fee $20 (card transactions not processed through a PayPal account or guest checkout). Dispute fee $15 standard, $30 high volume. Standard transfer to a bank account free; instant transfer 1.5% (minimum $0.50).
- G2 rating
- Not yet verified
- Comparisons
- Featured in 1 comparison
Key features
- PayPal, Venmo and Pay Later buttons that many shoppers already use
- Card payments, invoicing and Pay by Bank (ACH) in one account
- PayPal POS for in-person sales at 2.29% + 9¢
- Advanced card processing at 2.89% + 29¢ for approved businesses
- Instant transfers to bank or debit card for 1.5%
Pros
- PayPal and Venmo checkout with high buyer recognition
- Lowest published card-present rate here (2.29% + 9¢)
- No monthly fee for standard checkout
- Cheap first card reader ($29)
Cons
- 49¢ fixed fee on most online payments
- PayPal Checkout rate is 3.49% + 49¢
- $20 chargeback fee and $15 to $30 dispute fees
Emily Rodriguez