How much does PayPal cost?

PayPal publishes a single tier, Standard, at $2.99/transaction.

Does PayPal have a free plan?

Not on the record we hold: PayPal is listed as usage-based. Whether a free trial is offered is not something this record captures, so check the vendor's site.

Which personal finance tools can I use without paying?

4 of the 8 personal finance tools listed alongside PayPal have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.

Does PayPal charge per user?

The record carries a price and a billing period for each of its 1 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.

Are these PayPal prices current?

They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.

What should I compare PayPal against before paying?

The closest personal finance tools in this directory are Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with PayPal covering price, platforms and features.

Personal Finance · pricing

PayPal pricing

PayPal publishes a single tier. Below is what it costs, what it covers, and how that compares with the personal finance tools listed alongside it.

Entry price: $29/month
Model: Usage-based
Tiers: 1
Free tier: Not on record

PayPal plans, side by side

Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.

PayPal pricing tiers
Plan	Price	Features listed	Step up from the tier below
Standard	$2.99/transaction	3	Entry tier

What the product covers

The full PayPal feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.

Core

Payment processing
PayPal Checkout
Invoicing
Business debit card
Working capital loans

Integrations

Shopify
WooCommerce
BigCommerce

Security

PCI DSS
Buyer/Seller protection

Platform

Web support
Ios support
Android support
Api support

People bring PayPal in for paying online merchants without sharing card details, sending money to friends and family domestically and internationally, holding balances in multiple currencies for cross border purchases. If that is not the job you are buying for, the alternatives to PayPal are worth a look before you commit to a tier.

How that compares in Personal Finance

Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.

PayPal entry price against other Personal Finance tools
Tool	Entry price	Model	Rated	Head to head
PayPal (this page)	$29/month	usage-based	-
Copilot Money	Free	freemium	-	vs PayPal
Cash App	Free	free	-	vs PayPal
Apple Pay	Free	free	-	vs PayPal
Betterment	$5/month	subscription	-	vs PayPal
Charles Schwab	On request	transaction	-	vs PayPal
Acorns	On request	subscription	-	vs PayPal

Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the PayPal badges page.

Before you pay for PayPal

Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.

What it can tell you is the shape of the ladder: a single tier at $2.99/transaction. With no free tier on record, the cheapest way to answer the rest is to compare PayPal against the tools that do have one before committing.

PayPal runs on web, ios, android, api, and is published by PayPal Holdings Inc of San Jose, CA. The full record is on the PayPal review, and the rest of the category is under best personal finance tools.

PayPal pricing on the vendor's own site

PayPal pricing questions

How much does PayPal cost?: PayPal publishes a single tier, Standard, at $2.99/transaction.
Does PayPal have a free plan?: Not on the record we hold: PayPal is listed as usage-based. Whether a free trial is offered is not something this record captures, so check the vendor's site.
Which personal finance tools can I use without paying?: 4 of the 8 personal finance tools listed alongside PayPal have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.
What am I actually paying for with PayPal?: The record lists 14 features across 4 areas: core, integrations, security, platform. In practice it is brought in for paying online merchants without sharing card details, sending money to friends and family domestically and internationally, holding balances in multiple currencies for cross border purchases.
Does PayPal charge per user?: The record carries a price and a billing period for each of its 1 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
Are these PayPal prices current?: They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
What should I compare PayPal against before paying?: The closest personal finance tools in this directory are Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with PayPal covering price, platforms and features.