PayPal pricing
How PayPal charges, what to know before you commit, and what you'd pay at your usage — next to what the alternatives would cost for the same thing.
How it charges
Checked 2026-10-03 on www.paypal.com ↗ · USD, list pricesIn short
Per-transaction fees with no monthly fee: 2.99% + $0.49 for standard card payments and 3.49% + $0.49 for PayPal wallet checkout in the US.
- Free plan
- Yes
- Side project
- $54/mo Standard card payments
- Growing
- $495/mo Standard card payments
- Scaling
- $5,440/mo Standard card payments
What the model leaves out
US rate for standard credit and debit card payments. Payments made with the PayPal wallet (PayPal Checkout, Venmo, guest checkout) are 3.49% + $0.49; Pay Later is 4.99% + $0.49. Add 1.5% for international transactions, and a 3–4% spread when currency conversion applies. Fee page last updated October 1, 2026.
Before you commit
- International transactions add 1.5%, and currency conversion adds a 3–4% spread.
- Pay Later payments cost 4.99% + $0.49.
- Disputes cost $15 each (standard rate) and card chargebacks $20.
| Plan | Monthly fee | Revenue per month | Payments per month |
|---|---|---|---|
| Standard card payments | None | 2.99% | $0.49 per payment |
What you'd pay
Standard card payments$10k × 2.99% + 400 payments × $0.49 per payment$495/mo
Cost as you grow
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