PayPal Pricing 2026
Complete breakdown of PayPal plans, costs, and what's included. Start free or choose a paid plan from $0/mo.
All PayPal Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Free
- ✓ Basic features included
- ✓ Limited storage
- ✓ Community support
- ✓ Single user or limited seats
- ✓ Core functionality access
Personal
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
Business
- ✓ All Pro/Plus features
- ✓ Advanced permissions
- ✓ Bulk export & admin tools
- ✓ SAML SSO
- ✓ Dedicated support
Transaction
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
All PayPal paid plans are billed per transaction. Annual billing typically saves 15-20%.
PayPal Plan Comparison
See what's included in each plan at a glance.
| Feature | Free | Personal | Business | Transaction |
|---|---|---|---|---|
| Price | $0 | $0/mo | $2.99/mo | $0/mo |
| Storage | Limited | 100 GB | Unlimited | 100 GB |
| Team Members | 1-5 | Up to 50 | Unlimited | Up to 50 |
| Integrations | Basic | Advanced | All + Custom | Advanced |
| Support | Community | Priority | Dedicated | Priority |
| Analytics | Basic | Advanced | Enterprise | Advanced |
| Custom Branding | ✗ | ✓ | ✓ | ✓ |
| API Access | Limited | Full | Full | Full |
| SSO / SAML | ✗ | ✗ | ✓ | ✗ |
How to Save on PayPal
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most PayPal plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
Start with Free
The PayPal free plan is generous enough for individual use. Upgrade only when you truly need more.
PayPal vs Competitors: Price Comparison
How does PayPal pricing stack up against similar tools?
PayPal Pricing FAQ
Common questions about PayPal costs, plans, and billing.
Is PayPal free?
Yes, PayPal offers a free plan that includes basic features. It's a great way to get started without any commitment. For more advanced functionality, paid plans start at $0/month.
How much does PayPal cost per user?
PayPal uses a per transaction pricing model. The Personal plan is $0/month. The Business plan is $0/month. The Transaction plan is $2.99/month.
Does PayPal offer a free trial?
Most PayPal paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Additionally, the free plan is available indefinitely with no credit card required.
What is the cheapest PayPal plan?
The cheapest option is the Free plan, which costs nothing. If you need more features, the most affordable paid plan is Personal at $0/month.
Is PayPal worth the price?
PayPal is rated 4.1/5 by users. It's best for freelancers, ecommerce sellers, international payments. Key strengths include accepted by millions of merchants globally and buyer and seller protection programs. The free plan lets you evaluate it risk-free. Compare with alternatives like YNAB and Shopify to ensure the best fit.
Does PayPal offer discounts for annual billing?
Yes, most SaaS tools including PayPal offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the PayPal pricing page for current offers.
Ready to get started with PayPal?
Try PayPal free — no credit card required. Upgrade anytime as your needs grow.