PayPal
PayPal is one of the world's oldest and most popular online payment systems, enabling digital money transfers and payments globally since 1998.
Account Types
Personal Plans
| Feature | PayPal Personal |
|---|---|
| Monthly Fee | Free |
| Annual Fee | - |
| Minimum Balance | - |
| Fee Currency | USD |
| Free ATM Withdrawals | - |
| Card Type | Standard Physical |
| Billing Model | Free |
| Free Tier | Available Free to open and use; fees apply on certain transactions such as currency conversion or instant transfers |
| Description | Free personal account for sending and receiving money. No fees to open or use the app. Transaction fees may apply for certain operations. |
Business Plans
| Feature | PayPal Business Plus | PayPal Business Standard | PayPal Enterprise | PayPal Pro |
|---|---|---|---|---|
| Monthly Fee | - | Free | - | - |
| Annual Fee | - | - | - | - |
| Minimum Balance | - | - | - | - |
| Fee Currency | USD | USD | USD | USD |
| Free ATM Withdrawals | - | - | - | - |
| Card Type | Standard PhysicalStandard Virtual | Standard PhysicalStandard Virtual | Standard PhysicalStandard Virtual | - |
| Billing Model | Pay As You Go | Pay As You Go | Custom | Pay As You Go |
| Free Tier | No | Available No monthly fee; pay-as-you-go transaction fees apply: 2.99% + $0.49 (cards), 3.49% + $0.49 (PayPal/Venmo), 4.99% + $0.49 (Pay Later) | No | No |
| Description | Enhanced business account with lower transaction fees, advanced fraud protection, and ability to accept payments over the phone. Suitable for growing businesses. | Basic business account for small businesses and startups. Supports accepting payments, creating invoices, and customer support. Free to open. | Enterprise-level account with dedicated account management, customizable payment solutions, multi-user access, and extensive reporting for high-volume businesses. | Advanced business account with direct website integration, seamless checkout, and ability to accept credit cards without redirecting customers to PayPal. |
Visit the provider website for detailed plan comparisons and features
Business Features
API: PayPal offers a REST API (Payouts API v1) for batch payouts, secured via OAuth2. No monthly API fee mentioned. Bulk payments: The Payouts API supports up to 15,000 payments per batch call, targeting multiple PayPal or Venmo recipients by email, phone, or PayPal ID — confirmed at 15,000 max per call. Payment gateway: Confirmed — PayPal offers online checkout, card processing, Tap to Pay, and POS solutions. US fees: card processing from 2.89%+$0.29, PayPal/Venmo 3.49%+$0.49, Pay Later 4.99%+$0.49, POS from 2.29%+$0.09. UK POS fees: card/contactless 1.75%, manual entry 3.4%+£0.20, payment links 1.2–2.9%+£0.30. Invoicing: Zettle Invoice referenced for POS users (UK), indicating built-in invoicing capability. Working capital: PayPal Working Capital offers merchant cash advances up to £160,000 (£225,000 for repeat borrowers) in the UK, repaid via a percentage of PayPal sales — no documentation required; sales-history-based approval. Corporate cards: The /uk/business/financial-services/debit-card URL signals a business debit card may exist, but no page content was available to confirm details. Not set to true as no direct content confirms it. Multi-user access, expense management, receipt scanning, accounting integrations, approval workflows, and scheduled payments: none mentioned in the available page content.
Fees & Limits
| Route | Fee Structure | Min/Max |
|---|---|---|
| Other | $0.49 + 0.03%(instant) | No limit Advanced Checkout – credit/debit card, Apple Pay, Google Pay. Requires application and approval. Lower rate than Standard Checkout. |
| ACH (USD) | Free(1-3 business days) | No limit Standard withdrawal to linked bank account |
| Local (USD) | 0.02%(30 minutes) | Min $0.25, Max $25.00 Instant transfer to linked bank account or debit card |
| Other | 0.04%(N/A) | No limit 4% exchange rate markup on international transfers and currency conversions |
| Internal | Free(instant) | No limit Free when funded from PayPal Cash, PayPal Cash Plus, or linked bank account. Both sender and recipient must have PayPal accounts. |
| Wire | 0.05%(1-3 business days) | Min $0.99, Max $4.99 International transfer to rest of world (excluding UK, select EU, Philippines). Funded from PayPal balance or linked bank account. Does not include 4% exchange rate markup. |
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Payflow Link Monthly Fee | -Monthly | Free |
| Payflow Pro Monthly Fee | -Monthly | $25.00 |
| Transfer Fees | ||
| Inperson Qr Transaction Fee | -Per transaction | $0.09 + 0.02% |
| Manual Card Entry Transaction Fee | -Per transaction | $0.09 + 0.03% |
| Invoice Card Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Invoice Paypal Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Paypal Checkout Card Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Paypal Checkout Paypal Venmo Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Expanded Checkout Card Transaction Fee | -Per transaction | $0.29 + 0.03% |
| Advanced Checkout Card Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Advanced Checkout Paypal Transaction Fee | -Per transaction | $0.49 + 0.03% |
| Pay Later Transaction Fee | -Per transaction | $0.49 + 0.05% |
| Payflow Link Transaction Fee | -Per transaction | $0.10 |
| Uk Pos Card Contactless Transaction Fee | -Per transaction | 0.02% |
| Uk Pos Manual Card Entry Transaction Fee | -Per transaction | £0.20 + 0.03% |
| Uk Payment Link Paypal Transaction Fee | -Per transaction | £0.30 + 0.03% |
| Uk Payment Link Card Apm Transaction Fee | -Per transaction | £0.30 + 0.01% |
| International Personal Payment Crossborder Fee Balance Bank | -Per transaction | Free |
| International Personal Payment Crossborder Fee Card | -Per transaction | Free |
| International Purchase Payment Crossborder Fee | -Per transaction | Free |
| Other Fees | ||
| Advanced Checkout Chargeback Protection Addon Fee | -Per transaction | 0.00% |
| Us Card Reader First Purchase | -One-time | $29.00 |
| Us Card Reader Additional Purchase | -One-time | $79.00 |
| Us Terminal Purchase | -One-time | $199.00 |
| Us Terminal Barcode Scanner Purchase | -One-time | $239.00 |
| Us Store Kit Mini Purchase | -One-time | $229.00 |
| Us Store Kit Portable Purchase | -One-time | $339.00 |
| Us Store Kit Standard Purchase | -One-time | $479.00 |
| Us Store Kit Plus Purchase | -One-time | $699.00 |
| Uk Card Reader First Purchase | -One-time | £29.00 |
| Uk Card Reader Additional Purchase | -One-time | £69.00 |
| Uk Terminal Purchase | -One-time | £149.00 |
| Uk Terminal Barcode Scanner Purchase | -One-time | £199.00 |
Cards
Security & Compliance
Regulation
- Financial Conduct Authority (FCA)License: Not disclosed. Licensed in United Kingdom. Safeguarding: segregated_accounts.
- Compliance CertificationsPCI DSS
App Security
- Instant FreezeFreeze and unfreeze your card instantly from the app if lost or stolen.
- Two-Factor AuthenticationNot disclosed
PayPal (Braintree) is PCI DSS 4.0 compliant (mandatory from March 31, 2024). Braintree securely stores and processes card data on behalf of merchants. Merchants must complete annual Self-Assessment Questionnaires (SAQ). Braintree partners with SecurityMetrics (a QSA company) for PCI compliance assistance. Four PCI compliance levels based on Visa transaction volume. Data security practices include secure card data storage and processing. FCA-regulated in the UK under the Financial Services Register. State money transmitter licenses referenced for US operations. No explicit mention of AES-256, TLS version, GDPR compliance, SOC 2, bug bounty, or penetration testing in the provided page content.
Support & Platforms
Customer Support
- PhoneDaily 8AM-8PM CST
Avg response: ~1 min
Phone support accessible by clicking Contact at the bottom of any PayPal page or via the Contact Us page. Calls answered every day from 8AM-8PM CST.
- Live ChatMon-Fri 7AM-10PM CST, Sat-Sun 8AM-8PM CST
Avg response: ~5 min
Message Center accessible via PayPal website (login → Message Center → New Message) or PayPal app (Profile Photo → Message Center). Includes PayPal Assistant chatbot which can transfer to a human agent. US agent hours: Mon-Fri 7AM-10PM CST, Sat-Sun 8AM-8PM CST. UK hours: 8am-6:30pm daily.
- Help Center24/7
Self-service Help Center covering payments and transfers, disputes and limitations, account management, wallet, login and security, and seller tools. Business Help section available for PayPal product guidance. Available via PayPal website and app.. Self-service Help Center covering payments and transfers, disputes and limitations, account management, wallet, login and security, and seller tools. Business Help and Technical Help sections available. Available via PayPal website and app.. Self-service Help Center covering payments and transfers, disputes and limitations, account management, wallet, login and security, and seller tools. Available via PayPal website and app.
- Contact Form24/7Priority
Topic-based Contact Us page. User selects an issue category and is routed to appropriate support options (message, phone, or chatbot). Available at paypal.com/us/cshelp/contact-us and paypal.com/uk/cshelp/contact-us.. Dedicated business contact page for PayPal business account holders. Separate from the standard consumer Contact Us page, indicating a business-specific support pathway.