The many ways PayPal can support your business.

Feb 04 2021 | PayPal editorial staff

From coast-to-coast and around the world, small business owners are constantly finding ways to successfully adapt and grow their business with the right tools.
Whether you're selling online, offline, or some combination of the two, our payments processing and business tools help you accomplish a central part of doing business: getting paid.
 
So you can, for example, seamlessly sell your perfected salsa online, safely in your local storefront, and at the annual jalapeno festival. And unlike other payment solutions, you don’t pay setup fees or commit to any long-term contracts. Below is a breakdown of the PayPal solutions that you can put to work for your small business.


Here’s to making buying and selling easier with PayPal Commerce Platform.

Think of PayPal as your small business partner – we help you do business almost anywhere. Take orders for your salsa online with our credit card processing system, sell excess mixers on eBay, accept payments for sales at the local fair with PayPal Here or PayPal QR code, and email invoices to clients for catering – all with PayPal Commerce Platform. As your end-to-end commerce partner for platforms and marketplaces, PayPal delivers a complete payments platform with the global scale and flexibility your business needs to stay competitive. We’re here to help you reach more customers and make it easy for you to get paid, however you do business.


Sell online easily.

Last year, US ecommerce sales grew more than 30 percent year-over-year. As a result, businesses who shifted to online sales tended to fare better than their non-digital counterparts. With fraud protection tools, data security, and reliable customer service, PayPal is a trusted partner for your 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.

PayPal Checkout: A one-and-done payment solution that lets your business accept a range of payment types. With a single integration, your online checkout will automatically show customers the most relevant payment options - whether it's PayPal, Venmo1, PayPal Credit2, Pay in 43, major credit or debit cards, or 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: Ideal if you're looking for something simple and easy-to -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: Great 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 - safely.

Meeting customers where they are is essential to keeping your business relevant for the times, and it means adapting to changing consumer behavior and purchasing preferences. 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 (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.
 
With PayPal QR codes, there's no need for you or your customers to handle cash or cards. The option allows customers to pay by simply opening the PayPal app and scanning your unique code, and you receive payment quickly. Your PayPal QR code is free to create and never expires, and eligible transactions are protected from chargebacks, reversals, and their associated fees. (
Limits Apply. See all merchant fees here.)


Manage cash flow and business expenses.

 With PayPal Invoicing, you can generate professional-looking invoices in minutes. The online invoices make it as easy for your customers to pay as it is for you to create and track.
 
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.


3About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law license. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457.
 

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Frequently asked questions.

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.
PayPal Payments Standard is the easiest way to securely accept debit and credit cards, PayPal and PayPal Credit. It takes the hassle out of accepting payments online. You handle the sales. We handle everything from the checkout process to security and mobile compatibility. Plus:
  • No advanced programming is needed.
  • Your customers don’t need a PayPal account to pay you.
  • It’s optimized for customers on smartphones or tablets.
And unlike many full payment-processing solutions, PayPal Payments Standard has no application, setup or monthly fees, or long-term commitments. You start paying when you start selling.

What can I do with PayPal Payments Standard?

PayPal Payments Standard lets you accept credit and debit cards on your website or through an online marketplace such as eBay or Etsy. Buying is straightforward: We handle the checkout process and then send customers back to your site. Fees are a flat amount per transaction, so selling is just as simple. To see all discounts and fees, take a look at our fees page.

You can use PayPal Payments Standard to send invoices online too, so you can get paid sooner. For offline payments, you can add PayPal Here, a mobile payments solution, to your account to let you take payments on the go using your smartphone or tablet. (alternate rates apply).

With PayPal Payments Standard, you’re also eligible to apply for the free PayPal Business Debit MasterCard®.

As with all of our payment solutions, PayPal Payments Standard helps protect your business with our Automatic Fraud Screening, industry-leading data security and reliable customer service.

Get Started Now.
The below content applies to Business accounts only.

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 your App Center and click the Virtual Terminal tile.
  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. 
 
Go to our Fees page for more information

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 Donate button is a convenient and cost-effective solution for collecting donations online. Follow our step-by-step guide to create a Donate button. Define the donation amounts you want to accept or create an open field for customers to fill in; no programming is required.
 
When donors click your donate button, they complete their donation on the PayPal site. There are no monthly or set-up fees with donation button transactions. Your organization only pays processing fees when they receive a donation.
 
Other features:
Customers can choose to automatically give a monthly donation to your organization.  Both the organization and the customer can control the recurring payments in their respective profile settings if they would like to cancel or change the amount.
 
The Donate button is automatically mobile optimized for easier payments on small devices.

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