Editorial take
Why it stands out
US marketing rates ≠ your country. Wallet vs card vs BNPL lines confuse finance—map actual checkout configuration. Compare Stripe when developer APIs and Connect marketplaces dominate.
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Tool profile
Digital payments platform for checkout, invoicing, subscriptions, and merchant transactions online.
SMB ecommerce wanting trusted wallet buttons
PayPal is a household wallet and card processor: Braintree-powered card flows, PayPal and Venmo buttons, invoicing, Zettle POS, and working-capital adjacent products.
paypal.com/us/business/pricing (March 2026) lists Expanded Checkout card processing starting at 2.89% + $0.29 per transaction, versus PayPal Checkout cards at 2.99% + $0.49 where PayPal manages more of fraud/chargeback surfacing per their FAQ framing. PayPal and Venmo wallet payments show 3.49% + $0.49, and Pay Later 4.99% + $0.49. In-person Tap to Pay / Zettle shows card-present ~2.29% + $0.09 and keyed 3.49% + $0.09 on the same page family. Hardware like Card Reader ~$29 and Terminal ~$199 are separate purchases.
Rates vary by country and product—always open the fees page for your entity’s locale. High-volume merchants may qualify for custom pricing.
Quick fit
Editorial take
US marketing rates ≠ your country. Wallet vs card vs BNPL lines confuse finance—map actual checkout configuration. Compare Stripe when developer APIs and Connect marketplaces dominate.
What it does well
Primary use cases
Fit notes
Compare with
Pressure-test this pick against nearby alternatives.
Pricing snapshot
PayPal's current US business fees page shows Expanded Checkout card processing starting at 2.89% + $0.29 per transaction. PayPal and Venmo wallet payments are 3.49% + $0.49, Pay Later is 4.99% + $0.49, and in-person card-present payments start at 2.29% + $0.09. PayPal Checkout cards are listed separately at 2.99% + $0.49.
Gumroad
Free planIndie creators selling ebooks, templates, and courses
Creator commerce platform for selling digital products, memberships, and online downloads.
Not ideal for complex B2B invoicing or usage billing.
