The many ways PayPal can support your business.

May 31 2019 | PayPal editorial staff

We offer the tools today's companies need to do business. Our payment-processing and business tools help you get paid – whether you're selling online, offline, or some combination of the two.
So you can, for example, sell your perfected salsa online, in your local storefront, and at the annual jalapeno festival. And unlike other payment solutions, PayPal doesn't have setup fees or long-term commitments. It's a hassle-free way to get paid almost anywhere you do business. Here's a look at the many ways our solutions can work for you.

PayPal makes buying and selling easier.
Our payment solutions let you accept credit card payments on your website or on an online marketplace like eBay or Etsy, and customers can use the PayPal checkout by credit or debit card without ever setting up a PayPal account. Buying is straightforward, and because most fees are a flat 2.9% plus 30 cents per transaction, selling is just as simple. See all merchant fees here.

Sell online.
With fraud protection tools data security, and reliable customer service, PayPal is a solid option for any ecommerce business. Whether you just want to add PayPal as a payment option to your existing checkout or use PayPal to process all of your online payments, there's a choice that's just right for your business.

PayPal Checkout: This option is a one-and-done payment solution that lets your business accept a range of payment types. With a single integration, your checkout will automatically show customers the most relevant payment options - whether it's PayPal, Venmo1, PayPal Credit2, major credit or debit cards, or (coming soon) a local payment method. And no matter how someone chooses to pay using PayPal Checkout, they'll be able to complete their payment without leaving your site. (See all merchant fees here.)

PayPal Payments Standard: This option is ideal if you're looking for something simple that you can implement yourself. It lets you accept credit and debit cards, plus PayPal and PayPal Credit2. With Standard, adding payment buttons to your site takes little more than copying and pasting a few lines of HTML code – no developer help required. When customers check out, they pay securely on PayPal.com before returning to your site. PayPal Payments Standard has no monthly or setup fees and no long-term commitments. You only pay a transaction fee when you get paid. (See all merchant fees here.)

PayPal Payments Pro: This option is perfect for those who want to accept credit and debit cards, PayPal, and PayPal Credit, but need a more customizable solution. With PayPal Payments Pro, we'll help your developers create a unique checkout process that's integrated with your online store, making the purchasing experience seamless for your customers. You can choose everything from the colors to the layout and language. You pick the details in order to develop a checkout process that's perfect for your business.

In addition to online orders, PayPal Payments Pro lets you process credit card payments over the phone, by fax, or by mail with Virtual Terminal. Virtual Terminal lets you enter a customer's credit card information directly into your PayPal account, so you can be flexible and accept payments in the way that's most convenient for your customer.

PayPal Payments Pro with Virtual Terminal is $30 per month plus a per-transaction fee, but without additional setup fees or long-term commitments. (See all merchant fees here.)

Sell on-the-go or in-store.
We know you have to meet your customers where they are, and that's not always behind a computer screen. Our mobile payment system, PayPal Here, lets you turn your smartphone or tablet into a portable payment center, so you can sell on-the-go, too (alternate rates apply). With our app and your choice of card readers, you can accept credit and debit magstripe cards, chip cards, and contactless payments like Apple Pay. Online or offline, PayPal helps you get paid virtually everywhere.

Manage cash flow and business expenses.
When you start accepting payments through PayPal, you're also eligible to apply for a PayPal Business Debit MasterCard that earns 1% cash back on signed transactions. That means you can spend the money in your PayPal business account and earn money while doing so. See the Cardholder Agreement.

With 
PayPal Invoicing, you can generate professional-looking invoices that are easy for you to create and track and easy for your customers to pay.

PayPal Working Capital3 is another way we help businesses keep things flowing. Available to businesses once they start processing payments with us, this is a business loan option that makes sense for today's small and medium-sized businesses. It can be difficult and time-consuming to secure a traditional loan, but PayPal Working Capital doesn't go the usual credit check route. Approval for Working Capital is based on your PayPal seller history. Repayment works differently from traditional loans, too. You'll pay one fixed fee, and payments are made as a percentage of your PayPal sales. It's a whole new way to look at loans and one more way we help you do business.

PayPal works for your business.
PayPal helps your business by helping you do business almost anywhere. Take orders for your salsa online with the credit card processing system, sell excess mixers on eBay, accept payments for sales at the local fair with PayPal Here, and email invoices to clients for catering – all with one easy-to-manage account. PayPal helps you reach more customers and makes it easy for you to get paid, however you do business.

 
The contents of this site are provided for informational purposes only. You should always obtain independent, professional accounting, financial, and legal advice before making any business decision.
 
1The ability to accept Venmo as a payment option is currently available with mobile-web checkout only in the US, and only with eligible businesses.
 
2PayPal Credit is subject to consumer credit approval.
 
3PayPal Working Capital is subject to credit approval, as determined by the lender, WebBank, Member FDIC. To apply for PayPal Working Capital, your business must have a PayPal business or premier account for at least 90 days and process between $15,000 (or for premier accounts $20,000) and $20 million within those 90 days or within any time period less than or equal to 12 months. PayPal sales include processing on PayPal Express Checkout, PayPal Payments Standard, PayPal Payments Pro, and PayPal Here.
 

Frequently asked questions.

Virtual Terminal is bundled with our customizable payment solution, PayPal Payments Pro. Virtual Terminal allows merchants to accept payments virtually anywhere they have Internet access, with no card swipe or software to install, and is ideal for merchants who receive orders by phone, fax, or face to face.

Virtual Terminal has these features and benefits:
  • Grow your business – Process payments for major credit and debit cards. Extend your reach to customers who prefer not to pay online, including customers without a PayPal account.
  • Process payments anywhere – Process payments anywhere through any device with an Internet connection and a web browser.
  • Zero setup – Virtual Terminal requires no coding or specific software installation to get started.
  • Use PayPal as a one-stop payment solution and more – Process your customers' orders through a PayPal-hosted online payment form along with a set of tools for intuitive reporting; printing shipping labels and packing slips; and printing or emailing transaction receipts.
  • Process multiple payments simultaneously – You can launch multiple Virtual Terminal instances to process payments, as in the case of a call center or during heavy demand.

Note: PayPal's Seller Protection Policy doesn't apply to transactions processed using Virtual Terminal.

Here’s how it works:
  1. Log in to Virtual Terminal. When you're ready to process a payment, go to Tools, click Get paid and then Virtual Terminal.
  2. Enter the order. Enter the order details and credit or debit card information. If you're mailing an item, include the shipping information.
  3. Complete the transaction. You'll receive a confirmation for successful transactions. You'll then have the option to print a receipt or packing slip, email the receipt to your customer, or process another payment.
  4. Get paid. Once approved, the money shows up in your PayPal account, usually within minutes. From there, transfer it to your bank account, spend it wherever PayPal is accepted, or use your PayPal Business Debit Mastercard® at the ATM or in stores. You have fast access to your PayPal account, plus the PayPal Business Debit Mastercard offers 1 percent cash back on eligible purchases (It requires enrollment. Cashback applies to signed transactions only.)

Virtual Terminal costs $30/month USD, with no setup, termination, or withdrawal fees. Per-transaction fees of 3.1 percent + $0.30 apply.

See pricing details

If you encounter any issues when signing up or processing payments, reach out to Merchant Technical Support.

See also:
What must I do to start using Virtual Terminal?
How do I enter and process transactions in Virtual Terminal?
The PayPal PLUS product is a payment processing solution that enables small and medium-sized merchants to accept preferred local payment methods on websites, while reducing the effort and complexity of handling payments. Merchants get all relevant payment types with one integration. PayPal PLUS is available in both the German and Latin American markets.
  • Payment methods supported in Germany include PayPal, ELV (direct debit), Credit Card, and PUI (Pay Upon Invoice).
With PayPal PLUS, merchants can build a payment processing solution that doesn’t require buyers to have a PayPal account. In addition, merchants never need to direct buyers away from their websites to collect and process payment information.

The PayPal-hosted payment selection page for PayPal PLUS replaces your payment selection page. Using REST APIs and PayPal PLUS, you can easily build a payment flow and selection page that meets all of your needs.

Additional PayPal PLUS features include:
  • Support for payment installments.
    • The installments product is not part of the German PayPal PLUS iFrame but is supported in a separate integration in PayPal PLUS as a third party payment method.
  • Seller protection.
  • Ability to remember up to three credit card accounts. (not applicable for PayPal PLUS Germany)
If you want to sell multiple items on your website, you need shopping cart software. Shopping carts let your customers:
  • Browse items.
  • Select products for purchase.
  • See shipping, taxes and any other costs before completing their purchase.

Shopping cart providers typically work with payment gateways and merchant services to process payments. When you choose a shopping cart with PayPal built in, it’s not only easy to set up, it also makes it easy to get paid.

Need a full ecommerce solution, including a web store?

Choose one of our highly recommended partners, who provide professionally designed website templates integrated with shopping carts:
Visit PayPal’s Partner Directory to browse more shopping carts, ecommerce solutions and other providers that work with PayPal.
 
Get a Shopping Cart
The PayPal Developer Portal offers support for developers who have questions about technical topics, such as APIs or integration. Below is a list of common topics searched for by developers. You can also browse and search on the Developer Portal for additional topics.

Account Authentication
Information about validating your visitor's PayPal account.

Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.

Identity API
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.

Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.

Invoicing
Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.

Mobile SDK
Accept PayPal, credit cards and other payments methods through mobile apps.

Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.

PayPal Checkout
PayPal Checkout gives your buyers a simplified and secure checkout experience that keeps them local to your website or mobile app throughout the payment process.

Payflow Gateway
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.

PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.

PayPal Shopping Cart
The PayPal Shopping Cart system allows buyers to select multiple items on your website and pay for them with a single payment.

Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.

SOAP
The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).

Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.

Virtual Terminal
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.

Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.
 
PayPal Payments Standard
You can accept credit cards online easily and offers a streamlined checkout experience to customers using mobile devices.