One account and credit too.

Sign up with PayPal and you may be eligible for a business loan.

- Accept credit cards and PayPal on your website
- No set-up or termination fees
- Easy to get started

Get Started Today

Learn about:

PayPal Working Capital Pricing Features Support

A business loan you repay with a share of your sales.

To apply, just process your business payments with PayPal for at least 3 months and have $20,000+ in PayPal sales within 12 months.*

Decide the share of sales to pay

Repay your loan with a share of your daily sales so that managing your cash flow is easier.*

Get funding in minutes

Sign-up and approval takes minutes and your loan is securely transferred to your PayPal account automatically.

No credit check required

No time-consuming check of your financial history — your loan is based on your PayPal sales.

Pay one affordable fixed fee

You pay no periodic interest. Instead you pay one affordable fixed fee that you know when you sign up.

*PayPal Working Capital is subject to credit approval, as determined by the lender, WebBank, a Utah-chartered Industrial Bank, member FDIC. To apply for PayPal Working Capital, your business must have a PayPal business or premier account for at least 3 months and process between $20,000 and $10 million within those 3 months or within any time period less than or equal to 12 months.

Trusted everywhere

PayPal is trusted by over 148 million users around the world. This gives your customers peace of mind throughout the purchasing process and you the time to focus on your business priorities.

Hassle-free checkout

Running an online business is challenging. With PayPal Payments Standard, PayPal handles the complete checkout experience and then returns the user to your site so you can start selling without the hassle.

Grows with you

When you are ready to develop your own customized eCommerce experience, PayPal is ready to provide you with the same technology and experience used by world-class enterprises.

2.9% + $0.30 per transaction

No set-up fees. No monthly fees or termination fees. No hidden fees. You only pay when you get paid. Volume discounts available.

More about fees

Need a customized checkout experience?

Learn about PayPal Payments Pro

What's included in PayPal Payments Standard?

Accept PayPal paymentsIncluded
Accept credit and debit cardsIncluded
Accept 26 currencies from 203 countriesIncluded
Detailed transactions dashboardIncluded
Accept PayPal Credit payments (U.S. only) Included
Optimized mobile checkout experienceIncluded
Simplified PCI compliance standardsIncluded
Keep customers on your site through checkoutPayPal Payments Pro
Customizable checkout experience PayPal Payments Pro

Get started quickly with our secure payment buttons.

You can set up your button in about 15 minutes. Just copy and paste a few lines of code into your site. There’s no credit application or set-up fees. You only start paying when you start receiving payments.

Quick access to your money with rewards.

When the order is complete the money shows up in your account usually in minutes. Keep the money in your PayPal account or transfer it to your bank account, or use the PayPal Business Debit MasterCard® for your business purchases. When using the card you can earn 1% cash back on all eligible purchases.¹

Learn about PayPal Business Debit Mastercard^®

We handle the complications

PayPal merchant accounts go beyond payment processing to provide you with more of the support and time you need for your business.

Security and Fraud Detection
Taxes
Payment Records

More than just online payments

When you sign up for a PayPal merchant account you gain access to many payment method types, just a click away. Only use what you need.

Online payments
Mobile and in-store payments
Online invoicing

Looking for an enterprise-scale or fully customized checkout?

Learn about PayPal Payments Pro

Frequently Asked Questions

How long does it take to get my money?

Just a few minutes when customers pay with credit or debit cards or their PayPal accounts.

What is PCI Compliance and do I have to worry about it?

Payment Card Industry (PCI) security standards are minimum requirements for protecting your customers' payment card information. Adopted by Visa, MasterCard, American Express, Discover Card, and JCB, PCI compliance is required for all merchants that store, transmit, or process payment card information. Traditionally this creates a lot of work for businesses looking to sell online.

PayPal Payments Standard takes your customers to a PayPal hosted checkout page to relieve you of the burden of protecting their financial data. It also works with the most popular shopping carts, including Go Daddy, ASecureCart, and Ennyware. See more shopping cart partners

What are PayPal’s fees?

There are no monthly fees or any hidden fees with PayPal Payments Standard. You only pay when you get paid with our flat-rate pricing of 2.9% + $0.30 per transaction. Learn about fees

Can I do this myself or do I need a developer?

Getting started with PayPal Payments Standard is easy with no serious programming required. You can set up your button in about 15 minutes. It involves little more than copying and pasting a few lines of HTML onto your site. If you’re not sure what HTML is, you may need a little assistance but we have great online tutorials that can help you. Learn about setup

Learn more about business solutions

Need help with Standard?

Need help with selecting and setting up the right payment services?
1-888-818-3922

Our Developer Center is full of useful information about our APIs, platform compatibility, set up guides and other technical questions.
Go to the Developer Center

Need help with an existing PayPal Business account?
1-888-221-1161

¹Additional enrollment for Cash Back is required. Earn Cash Back when you use your card online, over the phone or sign up for a purchase. Cash Back will be earned on net purchases when the receipt is signed or when the purchase is authorized as a credit transaction by phone or online. Purchases made using a PIN are not eligible to earn Cash Back.

PayPal is just so easy. If you want to start accepting payments today, you can. It integrates with most platforms and [website] templates. It’s cost-effective. And there’s a lot of training available.

– Sarah Davis Founder Fashionphile.com

Open your account and begin selling online today.