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PayPal Business special offers

Starting at
US, per transaction: PayPal Checkout and Venmo 3.49% + 49¢. Standard card payments 2.99% + 49¢. Advanced card processing 2.89% + 29¢. In-person 2.29% + 9¢. International: +1.5%. Invoices paid by bank: 1%, capped at $10.
Free to open: pay per transaction, with no monthly fee on standard rates

Finance Specs

What We Like
  • Accepts PayPal and Venmo payments alongside cards
  • Lower rates for in-person card payments
  • Invoices can be paid by bank transfer at a capped fee
Considerations
  • PayPal and Venmo payments cost more than standard card payments
  • International payments add a surcharge
  • Chargebacks and disputes carry fees
Expert Verdict
Choose PayPal Business if your customers want to pay with PayPal or Venmo, or you sell both online and in person.

PayPal Business lets you accept payments online, in person and by invoice, with customers paying by PayPal, Venmo or card.

With PayPal Invoicing, you can use templates to send recurring invoices, set up automatic reminders and track your invoices from the merchant dashboard. Customers can pay invoices with PayPal, Venmo, Apple Pay, credit and debit cards, Pay Later and Pay by Bank (ACH). Pay Later lets them pay your invoice in installments. You can also create and manage invoices from your phone with the PayPal app.

Payment Links are shareable URLs that let you accept payments with no website or coding. You can send them by email, text messages, social media and messaging apps, or use the QR code option so customers can scan and pay in person. PayPal says links suit freelancers, consultants, creators, social sellers, small-batch retailers, event sellers, tradespeople and tutors. PayPal also lets you set up a checkout page that it hosts with just a few clicks.

PayPal says it fits in with the big eCommerce platforms and the tools businesses already rely on, and it lists solution providers for platform options. Built-in Seller Protection helps minimize chargebacks related to fraud or items not received, and PayPal’s analytics let you track sales and customize reports. Businesses can also apply for funding based on their overall business health. The small business page lists a phone number for getting in touch.

You can start with standard checkout and add services such as advanced card processing or a virtual terminal as your business grows. Current rates are in the pricing box above.

Ready to try PayPal Business?

Frequently Asked Questions

How much does PayPal Business cost?

PayPal Checkout and Venmo payments cost 3.49% + 49¢, standard card payments 2.99% + 49¢ and in-person payments 2.29% + 9¢. International payments add 1.5%. Standard rates have no monthly fee.

How does PayPal Business compare to Stripe?

PayPal lets customers pay with their PayPal or Venmo accounts, while Stripe is built around card payments and developer tools. Compare the total cost for your payment mix.

Does PayPal Business have monthly fees?

Not on standard rates. Optional services such as Payments Advanced, Payments Pro and Account Monitoring have monthly fees.

Advertiser Disclosure: Pricing checked Oct 10, 2026 on paypal.com. Prices change often, so check the official site before you buy.

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