PayPal Fee Calculator
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Table of Contents
Table of Contents
PayPal charges fees to process payments. The fees depend on which PayPal service your business uses. Common services include standard credit card payments, Checkout for online purchases and Zettle for in-person transactions.
PayPal fee calculator
NerdWallet rating 5.0 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 5.0 /5 |
Payment processing fees 0.40% + 8¢ plus interchange, in-person; 0.50% + 25¢ plus interchange, online. | Payment processing fees 2.6% + 10¢ in-person; 2.9% + 30¢ online. | Payment processing fees 2.7% + 5¢ in-person; 2.9% + 30¢ online. |
Monthly fee $0 | Monthly fee $0 Starts at $0/month for unlimited devices and locations. | Monthly fee $0 |
Types of PayPal payment methods
There are three main ways to collect payment from customers via PayPal.
1. Standard online credit card and debit card PayPal payments
How it works: You add a PayPal button to your website. Customers are redirected to PayPal’s payments page to enter and submit payment information, which PayPal processes.
Cost: 2.99% plus 49 cents.
2. PayPal Checkout payments
How it works: Customers pay directly on your website without being redirected to PayPal's payments page. PayPal provides the payment gateway and processing.
Cost: 3.49% plus 49 cents.
3. PayPal Zettle card-present or QR code payments
How it works: You buy Zettle, which is PayPal's card reader device, to process in-person transactions.
Cost: 2.29% plus 9 cents.
» MORE: Top alternatives to PayPal
Here's how several prominent payment processors stack up against PayPal.
» MORE: How to issue a refund via PayPal
| Product | Payment processing fees | Monthly fee | Learn more |
|---|---|---|---|
 Helcim NerdWallet Rating Learn more on Helcim's website | 0.40% + 8¢ plus interchange, in-person; 0.50% + 25¢ plus interchange, online. | $0 | Learn more on Helcim's website |
 Square NerdWallet Rating Learn more on Square's website | 2.6% + 10¢ in-person; 2.9% + 30¢ online. | $0 Starts at $0/month for unlimited devices and locations. | Learn more on Square's website |
 Stripe Payments NerdWallet Rating Learn more on Stripe's website | 2.7% + 5¢ in-person; 2.9% + 30¢ online. | $0 | Learn more on Stripe's website |
 Shopify POS NerdWallet Rating Learn more on Shopify's website | 2.70% in-person; 2.9% + 30¢ online (Basic plan). | $39 and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89. | Learn more on Shopify's website |
