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How Much Does PayPal Charge? The Complete Guide To PayPal Credit Card Processing Fees

PayPal's recent changes to rates and fees have many confused. We'll explain exactly how much it costs to use PayPal and what to expect from transaction fees and more.

    Jason Vissers
  • 4 comments
  • Updated on:
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Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
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4 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Doug

    Hi

    I read all this and I’m a little confused. I hope you are able help me understand something.
    I made a payment to someone for a rental using my credit card on PayPal. I sent $470 but she received $448. Who is responsible for paying the $22 fee? She is telling me that we can split it but I don’t think that is correct. I thought it would be her responsibility.

    Can you please help?

    Thanks very much

      Jessica Dinsmore

      Hi Doug,

      Thanks for your question! According to the PayPal User Agreement, the merchant is solely responsible for the credit card processing fee, and can’t pass it on to the customer or split it when using PayPal:

      No surcharges
      You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.

        Gary Brown

        I asked what were the charges for using a PayPal account. I am asking as a consumer and not a business or merchant. Thanks for the help’
        Gary Brown

          Jessica Dinsmore

          Hi Gary,

          Our goal is to make small business easy, so our research is generally focused on the small business owner experience. With that said, we did find this Paypal Consumer Fees page. Hopefully that helps you find the answer you are looking for!

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          Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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