PayPal (business): verified facts and rating
Checked 2026-11-01
Score breakdown
83% backed by facts · How we rank
PayPal (business) against the market
The dot is the company, the line is the median of all companies in this ranking.
Online card fee1.8%3.5%3.0% · median 2.9%
Fixed fee per payment$0.00$0.49$0.49 · median $0.29
Chargeback fee$0.00$20.00$20.00 · median $15.00
PayPal (business) strengths and weaknesses
Pros
- Regulator licence with a number on the official site
- Validated under PCI DSS as a service provider
- Pay per transaction, with no monthly fee
Cons
- High fixed fee per payment
- High fee for each chargeback
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Online card fee | 3.0% Standard Credit and Debit Card Payments 2.99% + fixed fee (PayPal Checkout 3.49% + fixed fee) | paypal.com | 2026-11-01 |
| Fixed fee per payment | $0.49 Fixed fee for commercial transactions: US dollar 0.49 USD | paypal.com | 2026-11-01 |
| Fee shown for the market | United States | paypal.com | 2026-11-01 |
| No monthly fee | Yes Monthly Fees: Advanced Credit and Debit Card Payments and ACH Services — No fee | paypal.com | 2026-11-01 |
| Chargeback fee | $20.00 Chargeback fees: US dollar 20.00 USD (card transactions not processed through a PayPal account or guest checkout) | paypal.com | 2026-11-01 |
| Licensed by a financial regulator | Yes PayPal, Inc. (NMLS ID #: 910457) Money Transmission State Licenses | paypal.com | 2026-11-01 |
| Licence | NMLS 910457 (PayPal, Inc., US money transmitter licences) | paypal.com | 2026-11-01 |
| PCI DSS service provider | Yes Compliance: ISO/IEC 27001, PCI DSS, PCI P2PE, SOC 1, SOC 2; PCI DSS Attestation of Compliance (AoC) documents | paypal-trustcenter.com | 2026-11-01 |
| Founded | Not verified | — | |
| Payout to your bank | Not verified | — | |
| Countries for businesses | 200 200 countries/regions in the PayPal Global list | paypal.com | 2026-11-01 |
| Merchant of record (handles sales tax) | Not verified | — | |
| Public company (listed, audited reports) | Yes PayPal Holdings, Inc. files 10-K annual reports | sec.gov | 2026-11-01 |
| Parent company | PayPal Holdings, Inc. | sec.gov | 2026-11-01 |
Compare PayPal (business)
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