Shop everywhere with ease.

Buying is free.

There is no cost for buying products or services, no need to share your financial information with sellers, and Purchase Protection safeguards your eligible purchases. What a deal.

Currency conversions.

When you buy from an overseas seller, currency conversion fees may apply. PayPal can coordinate this conversion for you. We use the prevailing wholesale exchange rate (the cost of foreign currency as denominated by an outside financial institution) plus a conversion service charge of 4.5 %.

Straightforward checkout.

PayPal will always provide information at checkout on transactions that include a currency conversion. We’ll always show you the exchange rate before you send a payment in a non-local currency.

Purchase Protection

If an item that you’ve purchased online with PayPal doesn’t arrive or doesn’t match the seller’s description, we'll look into it. If something is wrong, our Purchase Protection will reimburse you for the full purchase price plus shipping costs. You have 180 days, from the date of purchase, to file your claim.

More about Purchase Protection

One price. Benefits included.

Seller Protection.

Get peace of mind for your online business. We created a Seller Protection program to help guard you from losing money to claims and chargebacks.

More about Seller Protection

Faster checkouts.

Now your customers can buy with just one click: no login, password or billing information necessary. And fewer clicks means more conversions for your business.

More about One TouchTM

Trusted world-wide.

With PayPal you can sell in over 200 countries. Accept all major credit cards via your website, online invoice, mobile device, or through email.

Fees per transaction 5.4% + 0.30 USD

If your monthly sales exceed 3,000 USD and you created your PayPal account more than 90 days ago, login and apply for our preferred rates


Currency Conversion: When receiving payments, there’s an additional charge of up to 3.5% for any currency conversion.If your transactions typically average less than 10 USD, we recommend our micropayment rate (6.5% plus 0.05 USD). Apply here.

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Micropayment Discounts

If your transactions typically average less than 10 USD, you could save money with our "6.5 % plus 0.05 USD" rate. Here's an example for a business that usually accepts 2 USD payments. If you already have a PayPal account, apply here for a discounted rate.

Average payment

Your transaction fee

Total cost for 100 payments

Standard Rate
(5.4 % + 0.30 USD)

2.00 USD

0.41 USD

40.80 USD

(6.5 % + 0.05 USD)

2.00 USD

0.18 USD

18.00 USD

Make buying online better.

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Have questions? See our FAQs.

PayPal Help Center

Have questions? Contact us here or call 1 402 935 2050 if you need help.

If you are already selling and you need support with your account call 1 402 935 2050.

Frequently asked questions

How much does it cost to open a PayPal Business Account?

It's free to sign up for an account. PayPal merchant account fees only apply to transactions—which means you only start paying when you start selling. There are no set-up costs, monthly fees, or cancellations fees.

I've seen lower rates elsewhere. Why should I choose PayPal?

It's important to look at the TOTAL cost of processing credit cards. Other companies often publish discounted "show" rates, but you still get hit with cancellation charges, extra fees for accepting reward cards and corporate cards, and so on. We're upfront with you about all our fees.

Will my customers pay any fees?

It's free to pay with PayPal. There is a 4.5 % charge for any currency conversion. See our Consumer Fees Page.

Do I qualify for a discount?

It's worth finding out. Businesses often save money with our lower rates. Discounts apply to businesses with larger sales volumes or smaller transactions.

Does it cost any extra to withdraw money from my PayPal account?

There’s no charge to withdraw money from your PayPal balance to your US bank account. You can also withdraw your funds via check for a small fee of 11 per check. Withdraw your money now.