The widely recognised wallet and checkout button merchants trust.
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.
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.
Pricing at a glance
3.49% + 49¢ for PayPal checkout; 2.99% for standard cards. No monthly fee.
| 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 |
4 reviews
Head of Finance · Lumen SaaS · 51-200 · SaaS
PayPal handles our recurring billing reliably and the reporting is solid. Fees add up at our volume, so we negotiated custom pricing once we grew.
Pros
Recurring billing, reporting, uptime
Cons
Standard pricing is steep at scale
Use case: Subscription billing for a SaaS product
Owner · Bell & Co Cafe · 1-10 · Restaurants
Setup took an afternoon and PayPal just works at the counter during the morning rush. Payouts are quick which really helps cash flow.
Pros
Fast setup, quick payouts, reliable hardware
Cons
Would like more advanced reporting
Use case: In-person card payments at a cafe
E-commerce Manager · Atlas Apparel · 51-200 · Retail
We sell internationally and PayPal handles multiple currencies and methods without surprises. Reconciliation is much easier than our old provider.
Pros
Multi-currency, stable, good docs
Cons
FX and international fees could be clearer
Use case: Cross-border online apparel sales
CTO · Tradeline · 11-50 · Marketplaces
Building split payments for our marketplace would have taken months elsewhere. With PayPal the API and docs got us live in weeks. Webhooks are reliable.
Pros
Great API, split payments, webhooks
Cons
Some advanced features need a sales call
Use case: Split payments and payouts for a marketplace
Share your experience with PayPal. Reviews are moderated before they appear.
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