PayPal

Reviewed by Alexis Morain · Updated July 14, 2026

PayPal lets you receive and send payments online. Free to sign up, with a fee per payment received.

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SaaS Radar Review

7/10

A universal payment method that reassures buyers, useful alongside a dedicated solution, but whose fees and rigidity penalize high volumes.

Recognition that reassures buyers
Very simple setup
Sometimes high fees

See full review ↓How I rate

PayPal is one of the best-known online payment services in the world. It acts as a digital wallet for individuals and a payment collection solution for merchants, with near-universal presence on e-commerce sites and a reputation for reassuring buyers at checkout.

What is PayPal used for?

For a seller, PayPal accepts card and PayPal-account payments without building heavy infrastructure: payment button, links, invoicing, e-commerce integration. For an individual, it is a way to send and receive money and pay online without sharing bank details with the merchant.

PayPal or a dedicated payment solution?

Against a developer solution like Stripe, PayPal stands out for buyer recognition, which reassures at checkout, but offers less integration finesse and sometimes higher fees. Many sites offer both side by side.

How much does PayPal cost?

Opening an account is free. PayPal earns a fee on each payment received, around 2.9% plus a fixed part for online payments, varying by country, transaction type and volume. There is no mandatory monthly subscription.

Pros & Cons

What we love

Recognition that reassures buyers
Very simple setup
International presence
Transaction protection

What could be better

Sometimes high fees
Less granular than a developer solution
Account freezes feared by sellers

Key features of PayPal

Online collection

Card and PayPal-account payments

Buttons and links

Payment without heavy development

Invoicing

Invoices and payment requests

Protection

Buyer and seller guarantees

PayPal pricing

Opening a PayPal account is free, with no mandatory monthly subscription. The service earns a fee taken from each payment received, around 2.9% plus a fixed part for a standard online transaction, with rates varying by country, currency, transaction type and volume. Cross-border payments and currency conversion add fees.

Free plan / trial

Free account, fees only on collection.

Personal account

Send and receive · Online payment · Purchase protection

Free

Business account

Card and PayPal collection · Payment buttons and links · Invoicing and API

Fee per transaction

Pricing verified on July 14, 2026

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