---
tool: "PayPal"
slug: "paypal"
category: "Finance & Accounting"
pricing_model: null
pricing_transparency: "Public"
entry_price_monthly: 0
entry_price_annual: 0
annual_discount_pct: 0
native_currency: "USD"
free_plan_available: true
free_trial_days: null
enterprise_pricing_available: true
number_of_plans: 3
key_limit_metric: "Transactions"
last_checked_date: "2026-08-12"
last_manually_verified: "2026-08-12"
verification_status: "Verified"
vendor_pricing_page: "https://www.paypal.com/us/business/paypal-business-fees"
vendor_website: "https://www.paypal.com"
source: https://saaspricehub.io/tools/paypal
---

# PayPal pricing

The consumer + business payments network with 400M+ active accounts globally. Positioned as the trusted-name alternative to Stripe for merchants selling to buyers who want the PayPal 'Buy Now' checkout familiarity. Distinctive for its 20+ year buyer/seller protection reputation and cross-border reach (200+ markets, 100+ currencies). Priced as pure transaction fees (no monthly subscription for Standard/Checkout); PayPal Advanced at $30/mo unlocks virtual terminal + customization. Owns Braintree (developer-focused payments) and Venmo (consumer P2P) — sold as separate products. Publicly traded (NASDAQ: PYPL). Global market share behind Stripe on developer-first SaaS but ahead in mainstream e-commerce brand recognition.

## Current entry price

**$0/month** billed monthly. **$0/month** billed annually.

**Usage-based pricing:** Standard (US cards): 3.49% + $0.49 per transaction. Checkout: 2.99% + fixed fee. International: +1.5% for cross-border, +3-4% currency conversion. Micropayments: 4.99% + $0.09 for transactions under $10 (opt-in). Chargeback fee: $20. PayPal Zettle (POS) 2.29% + $0.09.

## All tiers

| 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 |

## Pricing model

- **Model:** Not specified
- **Key limit metric:** Transactions
- **Free plan:** Yes
- **Free trial:** No separate trial
- **Enterprise pricing:** Available (custom quote)
- **Native currency:** USD

## Verification

- **Last automated check:** 2026-08-12
- **Last manual verification:** 2026-08-12
- **Verification status:** Verified
- **Source:** https://www.paypal.com/us/business/paypal-business-fees

## Recommendation

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.

## Alternative to consider

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.

## Vendor context

Added 2026-08-12 as G2 top-55 brand-gap batch (rank #31). Entry Price Monthly = $0 (Standard tier has no subscription; fees per-transaction). Usage Pricing field captures per-transaction fee structure. Advanced tier ($30/mo) unlocks virtual terminal + advanced checkout. PayPal owns Braintree (developer platform, tracked separately if added) and Venmo (consumer P2P). Publicly traded NASDAQ: PYPL. Complex fee structure with 20+ variants across products — tracked here at simplified Standard/Checkout/Advanced level. Chargeback fee $20, Cross-border +1.5%, currency conversion +3-4%.

---

*Pricing data maintained by SaaS Price Hub. Human-readable page: [https://saaspricehub.io/tools/paypal](https://saaspricehub.io/tools/paypal). All prices in USD unless otherwise noted. This file is machine-readable and updated within 24 hours of any tracked price change.*