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PayPal online payment system


Updated on July 16, 2012 by mak1990
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General Information

PayPal is the faster, safer way to pay and get paid online. The service allows people to send money without sharing financial information, with the flexibility to pay using their account balances, bank accounts, credit cards or promotional financing. With 103 million active accounts in 190 markets and 25 currencies around the world, PayPal enables global ecommerce. PayPal is an eBay ( Nasdaq :EBAY) company and is made up of three leading online payment services: the PayPal global payment service, the Payflow Gateway and Bill Me Later. More information about the company can be found at PayPal.com. PayPal is headquartered in San Jose, Calif. and its international headquarters is located in Singapore.






When it's free and when there's a fee

Always Free

PayPal is free whenever you use it to buy something. The seller pays us a small fee to securely handle your payment. As a buyer, you never pay a fee to use PayPal.


Usually free

Sending money to friends and family is also free for you and the recipient when you fund the transfer with your bank account. You can also use a debit or credit card or make an international transfer for a small fee.

Debit/Credit Card Fee This fee covers charges we receive from the credit card company.
This fee covers charges we receive from the credit card company.
  2.9% of total amount sent plus $0.30 per transaction (the sender decides who pays this fee).
Outside the US These fees cover charges we receive from overseas banks and credit card companies.
These fees cover charges we receive from overseas banks and credit card companies.
  Small fee of 0.5% to 2% (depends on destination) when fully funded with bank account or PayPal balance. 3.4% to 3.9% if paying with a credit or debit card.

Small Fee

PayPal fees mainly apply to sellers, who pay a 2.9% transaction fee on the total sale amount plus a $0.30 fee per transaction. If you're a business, see PayPal Merchant Fees for discounted rates and other pricing info.

Discounted Merchant Rate We offer lower rates for businesses with larger monthly sales volumes.
We offer lower rates for businesses with larger monthly sales volumes.
Discounted Rate for Eligible Nonprofits We offer lower rates for registered charities with 501(c)(3) status. All other nonprofits pay our standard rates.
We offer lower rates for registered charities with 501(c)(3) status. All other nonprofits pay our standard rates.
International Sales These fees cover charges we receive from overseas banks.
These fees cover charges we receive from overseas banks.
  3.9% transaction fee plus a fixed fee based on currency received.

Integration approaches

Online, Skype, PayPal Mobile

Information for developers

About Guest Payments With the introduction of Guest Payments feature in Adaptive Payments web flow, users can now complete a payment by simply using a credit card. This capability allows developers to highlight and market credit card acceptance and increase their conversion rate by simply redirecting users to PayPal.com. Benefits Some of the benefits of Guest Payments for developers are as follows: No need to become PCI compliant as the credit card information is collected on PayPal.com Same level of PayPal security for your credit card paying customers. Leverage all existing features of Adaptive Payments such as parallel or chained payments. Accepts credit card payments from your customer globally as this feature is launched internationally. How it works Developers are not required to perform any re-integration to take advantage of this new feature. Since this feature is introduced as part of the new Payment web flow, customers will be able to leverage guest payments when they get redirected to PayPal.com to complete a payment. Limitations Although Guest Payments phase-1 was launched in June 2010 as it was the number one ask from our developer community it does have certain limitations some of which will be addressed in phase-2 next year. Guest Payments are not available for Implicit or Preapproved payments. Guest Payments cannot be made to a personal or un-registered PayPal account. Guest Payments can only be made to Premier or Business verified PayPal account. Guest Payments cannot be made using an email that is already registered with PayPal. Guest Payments will not be available if API caller passes an email address in the request envelop. In EU countries, a maximum of 10 Guest payments are allowed per user after which user is forced to open a PayPal account.  Note if a user uses different email address then he/she can make another 10 guest payments. This is not a product restriction but part of EU regulations which will be lifted in near future. This restriction does not apply for NA and ROW. Screen Shots Once a user is redirected to Paypal.com he/she can pay with a Credit Card by clicking on bottom slider on right side of the screen

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