Payment Processors · pricing · Updated September 2026
PayPal pricing (2026)
PayPal is usage-priced — charged per unit consumed rather than monthly as checked on 2026-09-03, read from PayPal's own pricing page; 3 plans. Best for Consumer-facing e-commerce leveraging PayPal buyer trust. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: usage-priced
- Free tier: No
- Compliance: HIPAA No · SOC 2 — · GDPR —
- Best for: Consumer-facing e-commerce leveraging PayPal buyer trust; Businesses wanting an all-in-one checkout with broad buyer network; Merchants selling in multiple international markets
As of · every figure below links to its source
PayPal plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| PayPal Checkout | usage-priced | — | flat | Standard online checkout / commercial transactions at 3.49% + $0.49 per transaction (USD domestic). +1.50% for international transactions. No monthly fee. | paypal.com |
| Advanced Credit and Debit Card Payments | usage-priced | — | flat | Advanced (hosted/custom) card processing at 2.89% + $0.29 per transaction (USD domestic). No separate monthly fee, unlike legacy Payments Pro ($30/mo) and Payments Advanced ($5/mo). | paypal.com |
| In-store QR code / Card present | usage-priced | — | flat | In-person QR code and point-of-sale card-present transactions at 2.29% + $0.09 per transaction (USD domestic). | paypal.com |
Last verified 2026-09-03. https://www.paypal.com/us/business/paypal-business-fees (official US merchant fee schedule, last updated May 19, 2026) Re-verified 2026-09-03 against the live pricing page; published figures unchanged.
Price changes
No change record has cleared two sources yet, so nothing is published on the wire.
Capabilities
Integrations: Shopify, WooCommerce, BigCommerce, Magento, QuickBooks, Wix, every major eCommerce platform (self-described).
Key features: Access to 400M+ active PayPal buyer accounts; 200+ markets and 130+ currencies supported; AI-powered fraud protection and dispute automation; Buy Now Pay Later (Pay Later) embedded checkout option; Venmo checkout for US consumers.
Plan limits: No monthly fee on standard plans; Per-transaction fees apply to every charge; +1.50% surcharge for international transactions; Chargeback fee applies per disputed transaction.
Frequently asked questions
Does PayPal support HIPAA?
PayPal HIPAA support: No. SOC 2: —. GDPR: —.
Does PayPal have a free plan?
PayPal free tier: No.
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