P
PayPal
Flat-rate · Est. 1998 · San Jose, CA
The original online payment giant with massive consumer trust. Offers checkout buttons, Venmo integration, and buy-now-pay-later through PayPal Credit.
PayPal Processing Rates
In-Person
2.29% + $0.09 (Zettle)
Online
3.49% + $0.49
International
+1.5%
Currency Conversion
+2.5–4%
Monthly Fee: None
Pricing Model: Flat-rate
Best For
E-commerce, freelancers, international sellers
Pros
- Massive brand recognition — 400M+ active accounts
- Buyer/seller protection programs
- Venmo and PayPal Credit integration
- Quick setup, no technical expertise needed
Cons
- Among the highest online transaction fees
- Account freezes with limited recourse
- Complex fee structure across products
- Disputes often favor buyers
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