PayPal
$480/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Terminal cost
- —
- Contract length
- No lock-in
- Settlement time
- —
- Est. monthly cost
- $480/mo
PayPal
Global online payments brand with strong consumer recognition and built-in BNPL.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Contract
- No lock-in
Best for
Online stores that need a recognisable consumer-facing checkout brand alongside other payment methods.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Monthly fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Monthly fee
- Free
Contract terms
- Contract length
- No lock-in
Last verified 19 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by PayPal for Australian merchants.
Cards
- Visa
- Mastercard
- AMEX
Digital wallets
- Apple Pay
- Google Pay
Other
- PayID
Strengths and trade-offs
Pros
- Universal consumer recognition
- Built-in chargeback and buyer protection
- Pay in 4 BNPL included at no extra cost
- Plug-and-play integration with major e-commerce platforms
Cons
- Standard 2.9% rate higher than dedicated card processors
- Focused on online; in-person offering is limited in Australia
About PayPal
PayPal offers Australian merchants online checkout, Pay in 4 buy-now-pay-later, and a virtual terminal. Standard commercial rate is 2.9% plus 30c for domestic transactions; lower rates apply to Advanced Card Payments and QR-code transactions.
PayPal was founded in 1998 and is headquartered in San Jose, USA.
How PayPal compares
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Stripe
$345/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Terminal cost
- —
- Contract length
- No lock-in, pay as you go
- Settlement time
- —
- Est. monthly cost
- $345/mo
Common questions about PayPal
The same questions Australian merchants ask before signing up.
PayPal does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
PayPal does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
PayPal settlement times are not publicly listed.
PayPal AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
PayPal does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
PayPal is best suited to online stores that need a recognisable consumer-facing checkout brand alongside other payment methods. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to PayPal and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare PayPal
Compare PayPal against every other Australian provider on price, contract terms, and features.