PayPal

PayPal helps businesses accept online payments through checkout, payment links, and invoices. Merchant costs depend on the payment product, transaction type, currency, and customer location.

4.6/5(26,628)Capterra

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Last checked: September 9, 2026

PayPal's official invoicing illustration, showing a merchant with the invoice dashboard and sample figures

Our Take

PayPal is useful when customers prefer its wallet or a business wants a familiar way to collect online payments.

Familiar wallet checkout
Invoices and payment links

Fees vary across payment methods
Cross-border and currency costs can add up

Best for:

Solo usersSmall teamsGrowing businesses

Best use case: Accepting wallet and card payments online.

Fits freelancers, solo sellers, and businesses accepting online payments; budget for transaction fees.

Read the full assessment

PayPal is useful when customers prefer its wallet or a business wants a familiar way to collect online payments. Judge its value against the payment mix and expected transaction sizes, not only the percentage headline. Fixed fees matter more on small orders, and cross-border costs can change the comparison. Keep processor fees distinct from the rest of the software stack.

Strengths

Familiar wallet checkout
Invoices and payment links
Broad merchant integration options

Tradeoffs

Fees vary across payment methods
Cross-border and currency costs can add up
Small transactions are sensitive to fixed fees

Who it suits

Online sellers
Freelancers
Small businesses

About PayPal

PayPal helps businesses accept online payments through checkout, payment links, and invoices. Merchant costs depend on the payment product, transaction type, currency, and customer location.

Pricing & Plans

Prices use the currency shown. Tax, usage limits and billing terms vary by provider.

Annual billing

Business payments

Variable cost

Business payments access for PayPal.

Checkout and invoicing options
Fees vary by payment method and region

Full plan details & limits

Business payments access for PayPal.

Transaction fees; estimate your monthly processing cost

View full pricing details

Everything you need to know

Explore more details about PayPal.

FeaturesOnline checkout, Payment links, Business invoices + more.

Online checkout
Payment links
Business invoices
Wallet payments
Card acceptance
Cross-border payment options

RatingsCapterra: 4.6/5

CapterraPayPal4.6/5 · 26,628
Source Checked September 8, 2026

Customer ratings from the linked platforms, separate from our recommendations. Scores and counts can change; each platform uses its own review process.

Integrations & connectionsHow PayPal fits into your workflow

Ecommerce checkout integrations, Merchant APIs

Platforms & availabilityWeb · Mobile apps · API

Free plan: Not listed for this product. Free trial: Not verified.

Cost considerationsBilling, usage limits and additional fees

US merchant fee schedule. PayPal Checkout domestic transactions use 3.49% plus a currency-specific fixed fee; standard card payments use 2.99% plus a fixed fee. International commercial transactions add 1.5%. Currency conversion and other services may add fees. No single flat monthly total applies.