How much does PayPal cost in 2026?
PayPal is free to use on its permanent free plan, and SaaS Price Hub has no verified paid list price on file. PayPal sits in the Finance & Accounting category, where SaaS Price Hub tracks 20 tools with verified pricing. Verified against PayPal's pricing page.
⏱ Verified 47 days ago — this page pulls live from our directory and updates within 24 hours of any tracked price change.
Does PayPal have a free plan?
Yes. PayPal offers a permanent free plan covering 3.49% + $0.49 per transaction (US card payments), no monthly fee, includes Buyer Protection.
What are all the PayPal pricing tiers?
PayPal publishes 3 plans:
- •PayPal Standard: free — 3.49% + $0.49 per transaction (US card payments), no monthly fee, includes Buyer Protection
- •PayPal Checkout: free — 2.99% + fixed fee per transaction (US, standard checkout), no monthly fee
- •PayPal Advanced (Pro): $30/month ($30/month billed annually) — $30/mo subscription; 2.89% + fixed fee on cards, adds virtual terminal + advanced checkout customization
How often does PayPal change its pricing?
SaaS Price Hub has recorded no tracked list-price change for PayPal in the last 12 months. Prices are re-checked against the vendor daily and any move is logged.
Full PayPal price historyWhere can I find PayPal's official pricing page?
PayPal publishes its own pricing at www.paypal.com/us/business/paypal-business-fees.
PayPal official pricing pageQuick facts about PayPal pricing
- Key limit metric
- Transactions
- Free plan
- Yes
- Free trial
- No separate trial
- Enterprise pricing
- Available (custom quote)
- Native currency
- USD
- Category
- Finance & Accounting
Who is PayPal best for?
In other words, PayPal is worth it for e-commerce sellers whose buyers explicitly prefer or trust the PayPal checkout brand — particularly for cross-border consumer sales where buyer protection matters. PayPal Standard is free to set up (3.49% + $0.49 US cards); Checkout offers slightly cheaper rates (2.99% + fixed fee) with buyer-approved checkout button; Advanced ($30/mo) adds virtual terminal for phone/mail orders. Extremely easy setup. Native integrations with Shopify, WooCommerce, BigCommerce, QuickBooks, and every major e-commerce platform. Downside: higher fees than Stripe on typical online-card volume (2.99% + fixed vs Stripe's 2.9% + $0.30), and merchant accounts can be frozen for unusual activity with slow appeals process.
What is PayPal not for?
Developer-first payments infrastructure? Pick Stripe (or Braintree — PayPal-owned). B2B invoicing with fee-based? Wise (formerly TransferWise) or Airwallex. E-commerce physical goods checkout? Shopify Payments (built-in). Digital products only + MoR? Paddle or Lemon Squeezy.
PayPal plans
| Plan | Monthly | Annual | Key limit |
|---|---|---|---|
| PayPal Standard | 0 | 0 | 3.49% + $0.49 per transaction (US card payments), no monthly fee, includes Buyer Protection |
| PayPal Checkout | 0 | 0 | 2.99% + fixed fee per transaction (US, standard checkout), no monthly fee |
| PayPal Advanced (Pro) | 30 | 30 | $30/mo subscription; 2.89% + fixed fee on cards, adds virtual terminal + advanced checkout customization |
Answer generated from SaaS Price Hub's daily-verified pricing tracker. Last updated August 12, 2026.
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