PayPal fees & pricing
PayPal Holdings, Inc. · Flat rate · best for marketplaces, freelancers and brand-trust checkout
PayPal uses flat rate pricing. Its headline rate is 3.49% + $0.49, which works out to about 4.47% effective on a $50.00 sale. International / cross-border: +1.5% international fee + currency conversion spread. Chargeback fee: $20.00 (waived under Seller Protection / Standard Dispute Fee program). Monthly fee: $0 standard; PayPal Payments Pro / Advanced Checkout are $0–$30/mo tiers. Standard online checkout (PayPal/Venmo buttons) is 3.49% + $0.49; commercial card via Advanced Checkout is 2.59%–2.99% + $0.49. Micropayments and charity rates differ. The brand-recognition wallet drives conversion but the headline rate is among the higher flat rates.
Source: PayPal Holdings, Inc. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
PayPal fee structure
| Pricing model | Flat rate |
|---|---|
| Headline rate | 3.49% + $0.49 |
| Monthly fee | $0 standard; PayPal Payments Pro / Advanced Checkout are $0–$30/mo tiers |
| International / cross-border | +1.5% international fee + currency conversion spread |
| Chargeback fee | $20.00 (waived under Seller Protection / Standard Dispute Fee program) |
| Payout speed | Instant to PayPal balance; 1 business day to bank |
| Best for | marketplaces, freelancers and brand-trust checkout |
Source: PayPal Holdings, Inc. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 3.49% + $0.49 | $0.84 | 8.39% |
| $50.00 | 3.49% + $0.49 | $2.24 | 4.47% |
| $200.00 | 3.49% + $0.49 | $7.47 | 3.74% |
Source: PayPal Holdings, Inc. pricing page. Data as of June 2026.
Cost pros & cons
Where PayPal saves money
- Trusted consumer wallet lifts conversion
- No monthly fee on standard plan
- Built-in buyer/seller dispute system
Watch-outs
- High effective rate, especially the 3.49% wallet rate
- $20 dispute fee
- Funds can be held on new/high-risk accounts
Frequently asked questions
What are PayPal's payment-processing fees?
PayPal charges 3.49% + $0.49 on standard online card payments. For a $50.00 transaction that works out to roughly 4.47% effective. There is no monthly fee on the standard plan. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does PayPal charge a monthly or setup fee?
$0 standard; PayPal Payments Pro / Advanced Checkout are $0–$30/mo tiers.
How much does PayPal charge for international cards and chargebacks?
International / cross-border: +1.5% international fee + currency conversion spread. Chargeback / dispute fee: $20.00 (waived under Seller Protection / Standard Dispute Fee program). International cards and disputes can dominate the effective rate for global merchants.
Is PayPal good for my business?
PayPal is best for marketplaces, freelancers and brand-trust checkout. Trusted consumer wallet lifts conversion. Watch out: high effective rate, especially the 3.49% wallet rate. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Compare PayPal with alternatives
Keep exploring
Source & accuracy
Figures are a dated snapshot from PayPal Holdings, Inc.'s pricing page (as of June 2026). Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29