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Home › Software Index › PayPal
PayPal logo
Payment Processing

PayPal pricing

PayPal pricing: 3.49% + 49¢ (PayPal Checkout). Rated 4.4/5 on G2 (2,748 reviews). Each figure links to the comparison it was verified in.

Last verified October 6, 2026 Official site ↗Vendor pricing ↗ Methodology Get this as JSON
Compare Stripe vs PayPal →
Entry price
3.49% + 49¢ (PayPal Checkout)Verified in stripe-vs-paypal
G2 rating
4.4 / 52,748 reviews · checked
On HelpCompare
2 comparisons ↓4 migration guides ↓
Bill Belcamino
Bottom line up frontby Bill Belcamino, founder of HelpCompare
Editorial assessment

Bottom line up front: What does PayPal cost per sale, and what's the risk at the counter?

PayPal's entry rate is 3.49% + 49¢ per PayPal Checkout transaction, higher than Stripe's 2.9% + 30¢, and on small tickets it's the fixed fee that bites.

In person, offline card payments only work on a PayPal Reader through a third-party POS app built on the Zettle SDK, and you must reconnect within 24 hours of the first offline payment. Here's what that means on the shop floor. An offline payment is stored, not approved, so a declined or expired card only shows up after you reconnect, when the customer and the goods are long gone. Worse, uninstalling the app, clearing its cache or resetting the device while payments are pending deletes them for good. Set a ceiling on the ticket you'll accept offline, and make it a staff rule that nobody touches that device until the queue has uploaded.

My read of the verified data on this page, checked against vendor sources on October 6, 2026. Disagree or spot an error? Tell Bill

PayPal pricing

Everything we have verified about PayPal

Every row was recorded on a HelpCompare comparison page. The Source column links to the page it was verified on and the date it was last checked.

AttributeValueSource & date
Entry price 3.49% + 49¢ (PayPal Checkout) stripe-vs-paypal
Verified data

PayPal security, offline access & remote work

Compliance reports, sign-in controls, offline access and the setup details that matter for remote, hybrid and in-office teams. Each value links to the vendor page it came from. PayPal’s own security documentation: paypal.com. Scope: PayPal Business account, including PayPal Zettle / Point of Sale for in-person payments. Features vary by country.

Security & compliance

SOC 2 report
Not published
ISO/IEC 27001
Not published
Other certifications
PCI DSS Level 1 (Service Provider)source
HIPAA (BAA)
Not published
GDPR data processing agreement
DPA offeredsource
Single sign-on (SAML/OIDC)
Not published
SCIM user provisioning
Not published
Two-factor authentication
Yessource
Admin audit log
Not published
Data residency choices
Not published
Self-hosting option
Not published

Offline access

Offline mode
PartialOffline card payments work only on a PayPal Reader used through a third-party POS app built on the Zettle SDK; queued payments upload when the device reconnects.source
Desktop apps
Not published
Mobile apps
iOS, Androidsource
Offline limits
Reconnect within 24 hours of the first offline payment; offline mode requires a PayPal Reader on the latest softwaresource

Remote, hybrid & in-office

IP allowlisting
Not published
Device & session controls
Not published
Office & room hardware
PayPal sells the Bluetooth Card Reader and the PayPal Reader for in-person chip, contactless and mobile-wallet payments through the Point of Sale app.source

PayPal: worth knowing

  • RemoteA business account owner can add users and choose each user's account privileges from Account Settings. source
  • OfflineUninstalling the POS app, clearing the device cache or factory-resetting it while offline payments are pending permanently deletes those stored payments. source
Stripe vs PayPal: security & offlineSquare vs PayPal: security & offlineSecurity databaseOffline databaseRemote vs office guide

Checked September 19, 2026 against each vendor’s own trust center, help docs and app pages. Hover or tap “source” to see the exact wording we relied on. “Not published” means we could not find the vendor saying it on its own site; it doesn’t mean the feature is missing. Plan names are the lowest plan the vendor says includes the feature. Security · Offline · Remote vs office · Download the data

PayPal in context

How PayPal connects to the rest of the software we track — head-to-head research, switching paths, and the closest alternatives in its category.

Head-to-head comparisons

Full pricing and feature breakdowns featuring PayPal.

Switching away from PayPal

What transfers, what you rebuild by hand, and what to budget.

Switching to PayPal

Moving in from another platform.

Alternatives in Payment Processing

Other tools we track in the same category, with their entry price.

Where this data comes from

HelpCompare records pricing and feature data from vendor pricing pages and documentation at the time each comparison is researched, then re-checks it on a published schedule. This entity page is generated from those records — it does not introduce any figure that has not already been verified on a comparison page.

  • Vendor pricing and documentation — www.paypal.com, checked October 6, 2026.
  • HelpCompare research — 2 comparison pages listed above, each with its own verification date.
  • G2 — aggregate rating and review count, checked . Review counts change daily; treat them as a snapshot.
  • Machine-readable copy — /data/tools.json, /data/tools.csv, and the open data hub.
Prices change often and vendors do not always announce it. Every figure here carries the date it was last checked — confirm current pricing with the vendor before you buy. If you find something out of date, the comparison page it came from is linked in the table above.
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Guides for the jobs this software does

Plain-language guides: the steps, what to check before you buy, common mistakes, and every tool it takes with verified prices.

Take card paymentsAccept payments onlineSell onlineSell in person with a POSSend invoices and get paidPay bills and vendors on timeLet clients book appointments onlineAll 50 job guides
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01 · CompareWhich tool fits your team, side by side.133 comparisons 02 · Price & approveSourced, dated pricing and a one-page brief for sign-off.Decision brief 03 · SwitchWhat moves, what you rebuild, what it costs.264 guides 04 · ShareDownload and cite the data. CC BY 4.0.Open data
Bill Belcamino, founder of HelpCompare
About the author

Bill Belcamino

Founder and author, HelpCompare

Engineer by training, operator by experience, marketer by choice. Bill spent eight and a half years as an engineer at HP, was COO of Auctiva (the number one third-party selling platform on eBay, past 200,000 users) and ran Google’s $70M/year search syndication partnership at Alot.com. Then he spent 13 years building his own web properties with his own money at stake. He has bought, trialled, integrated and cancelled more SaaS tools than he can count, and started HelpCompare because the real cost of switching tools is the part nobody covers.

“I’ve sat on both sides of the table: the agency recommending the tool and the client paying for it.”

Researched and fact-checked by the HelpCompare team. No paid sponsorships, no affiliate commissions.

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