PayPal Pricing 2026
Plans, hidden costs, and alternatives compared
Cite this data: Toolradar, PayPal pricing verified Sep 2026, toolradar.com/tools/paypal/pricing
PayPal starts at $14.99/month on the Invoicing subscription plan.
Verified Sep 2026 from the official pricing page.
Is PayPal worth the price?
PayPal does not sell a SaaS seat.
US merchants pay a published take rate. Domestic Checkout is 3.49% + $0.49.
Cards on invoices are 2.99% + $0.49. QR is 2.29% + $0.49.
Pay Later is 4.99% + $0.49. The optional invoicing subscription is $14.99/mo.
This is best for sellers who want the official US fee table in one place, not a guessed $0 plan.
Pricing Plans
PayPal Checkout (US domestic)
3.49%
+ $0.49
- PayPal Checkout
- Guest Checkout
- Pay with Venmo
- US merchant accounts, July 15 2026 fee table
Cards and wallets
2.99%
+ $0.49
- Standard credit and debit cards
- Apple Pay and other third-party wallets on invoices
QR code
Third-party integrator QR is 2.29%
+ $0.09
- QR code transactions
Pay Later
4.99%
+ $0.49
- PayPal Pay Later options
Invoicing subscription
$14.99/month
- Invoice Subscription Service
- $14.99/mo plus the per-transaction rates above
Hidden Costs & Gotchas
Fixed fee for USD is $0.49 on the official US table. QR via a third-party integrator is $0.09 instead.
International receiving adds 1.50% on top of the domestic commercial rate.
Pay by Bank (ACH) on invoicing is 1% capped at $10.00 per transaction.
Invoice Subscription Service is $14.99/mo plus the same per-payment rates. Chargeback and risk uplifts can add up to 5% after 30 days notice.
Crypto buy/sell on a business account is a separate % band (2.20% down to 1.50% by size). PYUSD is excluded from that band.
Which Plan Do You Need?
3.49% + $0.49 per official US merchant fee table (updated July 15, 2026).
2.29% + $0.49. Integrator QR is 2.29% + $0.09.
How PayPal compares
4 of 6 direct competitors offer a free plan.
PayPal Pricing FAQ
How much does PayPal cost?
PayPal starts at $14.99/month on the Invoicing subscription plan.
Does PayPal have a free plan?
PayPal does not offer a permanent free plan. Paid plans are required from day one.
What are alternatives to PayPal?
Alternatives to PayPal include Stripe, Square, Adyen, Wise. Square starts at $49/month, billing unit not specified; Adyen starts at $0.13/month, billing unit not specified.
PayPal alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official PayPal pricing: www.paypal.com/us/business/paypal-business-fees (verified Sep 2026)
- Cite this data: Toolradar, PayPal pricing verified Sep 2026, toolradar.com/tools/paypal/pricing
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