Paypal premier account 2017

Paypal premier account 2017 DEFAULT

🤔 Which PayPal Account is Best for You?

Note: If you have any questions after reading this and the several other articles relating to PayPal on this site, please leave a comment or contact PayPal directly. Unfortunately, due to time constraints, I am unable to offer any advice over email so all emails I receive that are related to PayPal will remain unanswered.

Choosing a PayPal account structure is not straightforward fare for most people, so in this post, I&#;ll attempt to demystify the whole process of signing up with PayPal and choosing an account type.

Before we start, a quick note:

If you are looking to send money as cheaply as possible then Wise is usually going to be cheaper than PayPal.

Wise does not make money off the exchange rate and only charges a small percentage of the overall transfer as its fee.

Have a look at my comparison between PayPal and Wise Borderless as well as my full review of Wise Borderless. N26 and Revolut might also be good options depending on your needs.

Send money using Wise

Now back to PayPal accounts.

You start out with a Personal account, but you can then upgrade to Premier or Business accounts.

PayPal offers two different account types; PayPal for your personal use (Personal and Premier), and PayPal for your business (Business). It&#;s free to sign up and each account type offers different features and capabilities. To decide which one is right for you, read on.

An account for personal use is ideal if you shop online. You can:

  • Shop on eBay and merchant websites using your credit card, debit card or bank account
  • Send and receive money from friends and family
  • Accept debit card, credit card and bank account payments for a low fee when you sell on eBay and/or on your own website

Make the right choice for your online business. With a Business account you can:

  • Accept debit card, credit card and bank account payments for a low fee
  • Operate in your company or business name
  • Manage Users, allowing you to give separate access rights to each of your employees
  • Consult the Business Setup guide

Paypal account types

Buying Crypto with PayPal

Did you know you can now buy crypto with PayPal? That&#;s right, you can use Binance or eToro since they both accept PayPal deposits. Just hit the links below to get started.


You can also read my full review of Binance to learn more about this crypto exchange.

Buy Bitcoin with Binance

etoro buy bitcoin

You can also read my full review of eToro to learn more about this platform.

Buy Bitcoin with eToro

Highly volatile unregulated investment products. No EU investor protection.

This withdrawal method is extremely popular at the moment, as people worldwide seek to get themselves some Bitcoin or Ethereum due to their extremely bright future price prospects.

If you decide to go ahead with the upgrade, you&#;ll get this confirmation screen:

upgrade confirmation
There is no good reason to have a Premier account if you are going to use PayPal for business. The fees are similar to or same as Business but some of the features not available.

  • You don&#;t need to have a properly registered &#;business&#; to have a Business account. It can be a DBA (&#;doing business as&#;).
  • You can have several Business accounts (just remember that each one should be linked to a different bank account/credit card).
  • There are no monthly fees for any of the accounts.
  • Additional services cost $35/month for all of them. You need to get approved to get them. You may get approved for one but not the other.
  • Additional services include:
    &#; Website Payment Pro (allows you to link PayPal to a shopping cart and charge credit cards without taking your customer to PayPal).
    &#; Recurring Payments
    &#; Virtual terminal (may be handy if you run live events or work with offline clients).
  • If you have various ventures and want to have a separate PayPal account for each one, now you can set up a &#;child&#; account that is linked to your main one. The benefit is that the money will be swiped from it daily and put into your parent one automatically and with no fees involved. Also, you don&#;t need to link a child account to a bank account. To set up a child account, create a new PayPal account then call PayPal on the phone and ask them to link the new account to your main PayPal account.

The concise comparison:

  • Personal: Recommended for individuals who shop and pay online.
  • Premier: Recommended for casual sellers or non-businesses who wish to get paid online, and who also make online purchases.
  • Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to employees limited access to your account and customer service email alias for customer issues to be routed for faster follow-ups.

Since my business is based in Malta, I&#;ll be describing the PayPal fees for this situation. Other European countries should have similar fees, but do check the PayPal website for your country for more accurate details.

Click this link to check the standard rates for receiving and sending money with PayPal.

The standard rate for receiving payments for goods and services is % + EUR.

If you receive more than 2, EUR per month, you&#;re eligible to apply for PayPal&#;s Merchant Rate &#; which lowers your fees as your sales volume increases. Your fees can be as low as % + EUR, based on your previous month&#;s sales volume. For receiving money for product or service sales at the merchant rate, these are the prices:

Monthly SalesPrice Per Transaction
€ EUR - €2, EUR% + € EUR
€2, EUR - €10, EUR% + € EUR
€10, EUR - €50, EUR% + € EUR
€50, EUR - €, EUR% + € EUR
> €, EUR% + € EUR

Here&#;s the e-mail you get after you apply (manually) for the Merchant Rate:

paypal merchant rates

Note that the rates in the table above are for domestic transactions. If you have customers offshore then you will incur what is known as a cross-border payment charge.

See also: Understanding PayPal Cross Border Fees

Click here to view the higher cross-border transaction fees. You will still benefit from lower rate bands with cross-border payments once you apply successfully for the Merchant Rate.

The accounts we&#;ve mentioned till now don&#;t have any monthly fee, but PayPal also offers the PayPal Pro solution, which costs $30 per month.

See also: Should you withdraw from PayPal to a credit card or to a bank account?

The Pro solution is for heavy PayPal users, and allows you to benefit from lower rates among other services. Click this link for more information about Pro. Go for Pro if you need full payment gateway functionality, as this system will allow you to create a fully customized checkout process that will enable customers to complete the purchase from your site rather than being transferred to PayPal as is the standard procedure.

Here&#;s Pro in a nutshell:

  • $ USD monthly
  • No set-up fees
  • No cancellation fees

Transaction fees % to % + EUR

Choosing a Checkout Service

If you are using PayPal to collect payments for products and services that you are selling online, you will also need to choose a checkout service. All e-commerce solutions such as Shopify, WooCommerce, and Easy Digital Downloads will allow you to select one out of several e-commerce checkout business solutions offered by PayPal.

See also: Should you open separate PayPal accounts for each of your e-commerce stores?

The choice is between the following:

  • PayPal Website Payments Standard
  • PayPal Express Checkout
  • PayPal Payments Pro

Read my separate post about the pros and cons of each and then decide accordingly

Managing Multiple Currencies

You can choose what currencies to accept and how you would like to accept them. When a buyer sends a payment in a currency you hold, the money will automatically appear in your account in that currency. When a buyer sends a payment in a currency you don&#;t hold, you can:

  • Open a new currency balance to accept the payment.
  • Convert the payment to a currency you do accept.
  • Block the payment.

You can choose a primary currency as the one you use most often for sending and requesting payments. It&#;s also the currency that is used for your withdrawal limits.

If you convert a payment into your primary currency, PayPal offers conversion rates that are pretty bad. You can read my guide on PayPal currency conversions for more information about that. You can always preview conversion rates on currencies you don&#;t hold before accepting payments.

You might also want to change your PayPal withdrawal currency before you withdraw money to your credit card.

An Example

So how do PayPal transactions look? Let&#;s say I have a client from the US and charged him $ for some web services I rendered. When he pays me via PayPal here&#;s what I see in my account:

paypal fees example

Now what&#;s important here is to know exactly what that $ fee stands for. Since this is a cross-border payment (US to Malta), it can be broken down as follows:

  • Base fee (% + $ USD) = $ USD.
  • Cross-border fee consisting of a fixed (% and % depending on between which countries the transfer is made) = $ USD and $ USD respectively.

As an average, be prepared to pay around 5% in transaction fees for every offshore payment you receive via PayPal.

If I remember correctly, with a Personal account you can accept or deny payments. Before you accept the payment, you can see the estimated transaction fee on the &#;Transaction Details&#; page. If you deny the payment, the fee is not charged. With a Premier or Business account, there is no such option to accept or deny payments.


When you issue a refund, you don&#;t lose any money and the purchaser gets all his money back. Click here to see the full refund policy together with a worked-out example of how refunds work.

PayPal has recently changed its policy, stiffing sellers, unfortunately.

Withdrawing funds from PayPal

Not all countries offer the same facilities for withdrawing funds from Paypal. For example, in my home country Malta, we used to be able to withdraw money only to a credit, debit, or prepaid card as well as a US bank account, but no local accounts.

This was then changed to allow withdrawals to EUR based local accounts, but unlike with other payment providers, we are not able to withdraw to local accounts in other currencies. This is a big disadvantage if you are making most of your sales in another currency such as USD.

So right now I have to accept all USD being converted automatically by my bank to my card&#;s currency which is always EUR by default since we&#;re based in Malta.

Read the following posts on this topic as it is critical that you get this right:

Paypal provides a handy checker where you can select your country and see which withdrawal options are available for that country.

What about PayPal Alternatives?

There are many PayPal alternatives, two of which are Payoneer and Stripe.



It&#;s worth looking at some PayPal alternatives that might be better suited to your needs. I&#;ve already mentioned TransferWise earlier in this article, but Payoneer is another widely used PayPal alternative, especially in India.

Launched in and headquartered in New York, Payoneer is a payment services provider that allows users to send and receive money online. The platform currently services more than 4 million customers located in more countries.

Cross-currency transactions cost in the region of 2% above the mid-market rate, although this can be lowered if you hold a VIP account. If you obtain the Payoneer pre-paid debit card, then you’ll pay $ per ATM withdrawal.

Payoneer is also a notable PayPal alternative due to its highly rated customer support. You have the option of contacting support via telephone, live chat or through a support ticket. However, response times are somewhat slow over the weekend, so you’re best off calling them if your query is of an urgent nature.

Check out Payoneer


Stripe is recognized worldwide as the most painless way to accept credit cards online as a merchant, and it was created with developers in mind, making integrations easy. Fees are on the low side, and you can also get the first $20, of transactions with zero fees if you follow my method.

Further notes

Please be aware that there are two different types of payments that can be sent using PayPal &#; Purchase Payments and Personal Payments. With a Personal payment type, the sender of the payment can choose who pays the fee which is incurred. However, it is not free to send the payment. Either the sender or the receiver must pay. It is possible to receive personal payments to a Personal or Premier PayPal account.

If you are planning on receiving payments for a business you are running, you may need to upgrade your account type, as a Personal account is not suitable for receiving large amounts of payments. However, if you are only receiving a small number of payments, you are free to do so.

In case you are into gambling and want to make a deposit using Paypal, you should be aware that the payment platform has a strict policy about casino transactions.

See also: How to change ownership of a PayPal account

It is possible to have two PayPal accounts, however only one can be for personal use, and must be either Personal or Premier type. It&#;s not possible to have a Personal and Premier account at the same time.

You can downgrade from a Business account to a Premier account, but not back down to a Personal account.

PayPal users can have one Personal account and one Premier or Business account. Each account needs to have a unique email address, bank account and credit card.

Hopefully, that helps to make your choice easier. If you have any questions, fire them off in the comments section.

Looking for Investment Opportunities?

Here&#;s a handy widget that will help you sift through a varied collection of platforms. Some of them are based in the U.S. but are also available to international investors.

Filed under: Business


PayPal Business Account: Everything You Need to Know

PayPal Business Account: Everything You Need to Know<PayPal Business Account: Everything You Need to Know<

Whether you’re on the hunt for a way to turn your hobby into a legitimate business or you’re a seasoned vendor looking to expand and grow, figuring out how to get paid in a way that’s quick, painless, and affordable is one of the most important operational problems you’ll need to solve.

Processing online payments, in particular, is especially critical. Over half of Americans now pay their bills online. And in early , sales from online stores eclipsed those of general merchandise stores for the first time.

The good news is that just as e-commerce has revolutionized the way people buy and sell goods and services, it has also forever altered the way people conduct business online, with new solutions making accepting and processing payments easier and more frictionless than ever.

PayPal is far and away one of the pioneers in the space. Chances are, you’ve already used the online payment provider to make a purchase in the last few years.

PayPal Commerce Platform Forms

PayPal Commerce Platform offers an all-in-one payment and commerce solution for businesses looking to simplify onboarding, provide more payment options, and keep payment data secure. To start collecting money through your website with no additional transaction fees and no need for a PayPal merchant account, create a custom payment, order, or donation form with our drag-and-drop Form Builder!

What you might not know, however, is that the organization launched a merchant services wing in the early s that not only gives business owners of all sizes the power to get paid faster and easier, but that also helps companies big and small grow and scale.

What is a PayPal business account?

PayPal is one of the most well-known online payment service providers (PSPs) in the world. A PayPal business account makes it fast and easy for businesses just getting started, as well as those that are more established, to accept and process credit card payments, debit card payments, and more in over 25 currencies and from over countries.

Like competitors Square and Stripe, PayPal works by taking a small percentage of transactions made using their platform.

It’s also super simple for your customers to check out and make purchases via a PayPal business account. They don’t necessarily need to have a PayPal account themselves (they can do their shopping as a guest), and they can choose to pay via any of the following methods, both online or in person:

  • Credit cards
  • Debit cards
  • PayPal
  • Venmo
  • PayPal credit

The credit and debit cards PayPal business accounts accept

Credit cards accepted by PayPal business accountsDebit cards accepted by PayPal business accounts
American Express
Diner’s Club

Private label cards, like department store cards, and procurement cards aren’t accepted.

Debit cards that aren’t Visa or Mastercard and require a numeric password are also not accepted.

Thanks to PayPal’s history — it was acquired by eBay in its early days — it’s also generally regarded as one of the most robust PSP solutions for e-commerce businesses. It integrates with hundreds of commerce platforms, including both specialty online marketplaces like eBay and Swappa as well as custom online stores like WooCommerce and Magento.

And for those on-the-go or brick-and-mortar vendors that still primarily accept payments in person, a PayPal business account offers PayPal Here, which provides business owners with a mobile app and an assortment of card readers.

Beyond just solving the core operational problem of getting paid, however, a PayPal business account also helps business owners manage and scale their companies.

The PSP has expanded the services they offer over the years to include everything from a launch kit for newbies and shipping help for those that need to deliver products, to lending options for veterans looking to grow their career opportunities and even reporting for those that want to better understand where they’re succeeding and where they have room to improve.

Types of PayPal business accounts

A PayPal business account comprises two overarching payments processing options for business owners:

PayPal Payments Standard. This basic PayPal business account doesn’t charge a monthly maintenance fee and allows account holders to accept all of PayPal’s payment methods (except for payments made via phone, fax, or virtual terminal). It also includes the standard PayPal business account benefits, like toll-free phone support and simplified PCI compliance functionality.

PayPal Payments Standard is ideal for business owners just getting started as well as those who are more than happy with a no-frills checkout option on their website or via their e-commerce platform provider. Customers are taken to PayPal’s site to complete payment and returned to the business’s site afterward.

PayPal Payments Pro. A step up from its standard counterpart, PayPal Payments Pro includes all of the perks that come with the basic account as well as the ability to accept payments via phone, fax, or virtual terminal.

This account also gives business owners complete control over their checkout pages, which makes it ideal for those who really want to take their e-commerce site to the next level. Customers never leave the business’s site when making a payment.
Unlike PayPal Payments Standard, this option comes with a monthly maintenance fee of $


Connect your PayPal business account to Jotform to offer more payment methods on your online form.

Additional PayPal business account merchant services

A PayPal business account also includes a suite of services beyond payment processing. Some of these are included in the accounts outlined above, like invoicing and eligibility for a PayPal debit card, but other features require an additional application process or development work.

  1. PayPal Checkout. In a nutshell, PayPal Checkout adds Smart Payment Buttons to your e-commerce site that allow users to buy your goods and services with one click, bypassing a tedious order process that involves long, complicated forms. PayPal then provides you with the customer’s contact information and shipping address, if appropriate.
  2. According to PayPal, PayPal Checkout is responsible for 82 percent more conversions(meaning people who actually complete the checkout process). To add PayPal Checkout, you’ll either need to use one of the many e-commerce platforms that have already integrated with it or you’ll need to work with a developer to implement it on your site.

  3. PayPal Business Loans and Working Capital. Cash flow is one of the primary problems a growing business faces. With PayPal Business Loans and Working Capital, the PSP makes it relatively simple for companies with a PayPal business account to get the funds they need to keep expanding.
  4. Both options provide eligible applicants fast access to cash — sometimes as soon as the next business day upon approval — and both also have a lower barrier to entry than many formal lenders, like banks, that require heaps of paperwork and credit checks.

    The primary difference between the two is that PayPal Business Loans provide loans of between $5, and $,, and PayPal Working Capital doles out between $1, and $,

    To qualify for a PayPal Business Loan, you must pass a credit check, and your business must be at least nine months old and make at least $42, in revenue. You can set repayment terms at a fixed rate as long as they’re between 13 and 52 weeks.

    PayPal Working Capital doesn’t require a credit check or minimum revenue; however, you must be an existing PayPal customer who’s had a PayPal business account for at least 90 days and processed $15,+ with PayPal within the past year. This option gives you access to up to 35 percent of your PayPal sales. You can repay the loan by deducting a percentage of your PayPal sales that you choose.

  5. PayPal Marketing Solutions. Like the complimentary invoicing, shipping, and debit card options that come with PayPal Payments Standard and Pro accounts, PayPal Marketing Solutions is baked into the offering. This valuable suite of features includes insights into how often your customers are shopping, how much they’re spending, and how they’re interacting with your checkout experience. To enable this service, all you have to do is copy and paste a snippet of code onto your website.

7 benefits of a PayPal business account that you should know about

  1. No monthly maintenance payments

  2. Far and away one of the best perks of a PayPal business account is that the standard account comes with absolutely zero monthly maintenance charges. That means that there’s no cost to sign up and start accessing all of the merchant services on offer.

    There are also no setup or cancellation fees. You’ll only be charged when you actually start doing business (see the chapter on PayPal business account fees), which means you can spend your time — and your extra cash — on the other business services that matter.

  3. Lightning fast setup

  4. It takes as little as 15 minutes to get up and running with a PayPal business account. Since the registration process is completely digital, you can go through the quick and easy online steps wherever and whenever you want. There’s no waiting in line at the bank, and you won’t find yourself on the other end of a frustrating phone call that mostly consists of bad hold music.

  5. Low barriers to entry

  6. Unlike old-school merchant account providers that often come with complicated qualifying terms and heaps of paperwork, a PayPal business account merely requires some basic contact information and general details about your company. Anyone can sign up — a credit check isn’t necessary. You merely need to link a bank account in order to receive funds from your transactions.

  7. Get paid online or in person, in the U.S. and from abroad

  8. Another huge perk is that a PayPal business account is flexible when it comes to accepting payments. Customers can pay with major debit and credit cards as well as PayPal, Venmo, and PayPal Credit (they don’t even need a PayPal account). What’s more, people can make purchases online, in person, or even via invoicing. Finally, PayPal makes it possible to do business over borders and even across language barriers — it’s available in 25 currencies and across countries.

  9. Easy e-commerce integration

  10. A PayPal business account syncs with hundreds of solution providers and shopping carts. Most major providers and even many of the smaller players have a simple option in their admin console where you can select the PayPal integration and enter your login details and relevant credentials — it’s that easy.

  11. Get cash back with the PayPal business account debit card

  12. Sick of all the dead-end debit cards that don’t give you any incentive to actually spend the hard-earned money you’re making? Then you’ll be happy to know about PayPal Business Debit Mastercard, which comes complimentary with an account (you just need to request the card) and gives you 1 percent cash back on eligible purchases.

    You can use the card to immediately access all the funds in your PayPal account without having to transfer anything to your business bank account, whether you’re withdrawing from an ATM or making an in-store purchase (the card works anywhere that accepts Mastercard).

  13. Leverage discounts for nonprofits and charities

  14. The PayPal business account also offers special, cheaper transaction rates for registered (c)(3) organizations. The organization even has a ready-to-roll donate button that anyone doing fundraising can quickly and easily add to their website once they’ve created a PayPal business account.

    As a bonus, PayPal has done the legwork to integrate with popular fundraising sites, like FundRazr, so that it’s easy to activate their services and start accepting the money you need.

Who needs a PayPal business account?

You may have heard stories about many casual sellers launching booming businesses from their personal PayPal accounts over the years. So it wouldn’t be surprising if you’re wondering what the difference is between a PayPal personal account and a business account — and why a sole proprietor or small business owner should consider opening one or the other.

In a nutshell, PayPal’s personal account is designed primarily for purchasing and sending money. All that’s required is for you to provide contact information and a verifiable bank account. On the flip side, while you can receive funds from other PayPal users, you won’t be able to accept as many types of payment, nor will you be able to extend access to your account to employees or colleagues or take advantage of business-targeted services such as PayPal Checkout or PayPal Marketing Solutions.

Paypal business account

In addition, opening a separate PayPal business account will prevent you from mixing up personal purchases with business expenses and personal monetary gifts from business revenues. If you’ve gambled on being able to track everything through your personal account and your side business suddenly takes off, you’ll spend hours extricating personal transactions from business transactions at tax time, and the stakes for making a mistake could be high.

Since phasing out its Personal Premier accounts, PayPal’s business account has become the most sensible account option for even the smallest businesses, including freelancers and small-scale artisans. Nearly anyone who plans to collect revenue or distribute money for business purposes will benefit from opting for a business account rather than a personal account.

From increased access to a variety of payment options, to customer support, to analytics and tracking, the business account is designed to help your small business grow into a mid-sized business. And for a $30 monthly fee, PayPal Payments Pro is ready to help you grow further with scalable benefits and services.

Here are a few types of businesses that can benefit from a PayPal business account.


Connect Jotform to your PayPal business account to seamlessly collect payments through custom online forms. Sign up for free today.

Freelancers and entrepreneurs with a sole proprietorship

PayPal suggests using a business account if you operate a revenue-generating endeavor under a separate name — for example, if you’ve set up an LLC. However, there are legitimate reasons why successful freelancers and sole proprietors might want to consider opening a business account even if they haven’t yet registered a formal business and chosen a company structure.

PayPal business accounts allow you to integrate your payment systems with their payout system to create a seamless accounting system you can use to easily monitor sales and profits as well as expenses. Opening a separate PayPal business account will make it easier to calculate profits and expenses when it comes time to file taxes.

One of the most compelling reasons freelancers may want to consider using a PayPal business account is that it can expedite payments from clients, with transactions often taking only minutes. Even for artisans or vendors who do business in person, frequenting craft fairs, farmers markets, and flea markets, a business account provides integrated swiping, online payment, and credit card processing systems, and even tracks receipts for you (you just need to activate PayPal Here).

The risks for opening an account are low since there are no startup, termination, or monthly fees. As far as transaction charges are concerned, they are the same whether you receive payment through a personal account or a business account.

Moonlighters and side hustlers

If you’re trying to transform a passion into a profit-making business, using your free time to raise income through a side hustle, or looking to get a business off the ground while still working long hours in a more conventional staff position, you likely don’t have much spare time to devote to bookkeeping.

So it’s unlikely you have the time to untangle information from a personal PayPal account. Separating personal monetary gifts from customer transactions and personal purchases from business-related expenses at tax time is likely to be confusing, frustrating, and a waste of time.

With no upfront or monthly fees, setting up a separate PayPal business account, or adding one if you already have a personal account with PayPal, is a sensible solution for hard-working, aspiring entrepreneurs who still have one foot in the wage-earning world.

The PayPal Payments Standard account will track customer receipts for products or services purchased, as well expenses paid to contractors you hire or products you purchase to get your new business up and running.

By keeping your business and personal accounts separate, you spare yourself the confusion and tediousness of sifting through transactions to determine which are personal and which are related to your side business.

Vendors on eBay and Etsy

Originally acquired by eBay back in before it spun off to go it alone again in , PayPal was once the go-to system for transactions on the popular online marketplace.

That said, if you’re asking yourself, “Do I need a PayPal account to sell on eBay?” the answer is technically no. It’s possible to opt into eBay’s Managed Payments service, which allows you to receive funds directly into your bank account.

However, PayPal remains the simpler and faster of eBay’s accepted payment options, which means that those who currently use PayPal don’t need to do anything to receive customer payments through their PayPal business accounts and can, as was the case before, expect a super seamless experience that’s incredibly safe and efficient.

So while you don’t necessarily need a PayPal business account to sell on eBay, it can simplify your operations.

Similarly, if you’re a creative who’s created a nice little cottage industry hawking your inventions and projects on Etsy, you’ll be happy to hear that PayPal is an automatic option if you’re using Etsy Payments. And even if you’re not, you can easily configure your payment settings to accept PayPal payments.

Small businesses (SMBs) and startups with an LLC 

If you’ve set up a limited liability company (LLC) for your small businesses to protect your personal assets, opening a PayPal business account can extend your customer base and deliver more marketing value.

According to data collected by comScore, customers complete 88 percent of initiated checkouts on PayPal. Consumers using other digital wallets failed to purchase items they’d saved to shopping carts percent of the time.

And PayPal’s mobile payment options can expand the viability of small businesses, allowing them to keep up with a growing digital marketplace. (In nearly 80 percent of consumers reported using a mobile device to make a purchase.)

If your company upgrades to PayPal Payments Pro, your customers can remain on your website to complete transactions on your own dedicated payment page with your branding. When your customers don’t have to leave your site to make a payment, they’re more likely to continue shopping.


PayPal business accounts allow access to up to employees. You can set a variety of access levels to protect your customers’ privacy and your business interests. PayPal also allows you to set up a separate email for customer service issues.

PayPal business accounts include setup support and business consulting, including customer analytics, with a range of benefits and enhancements at the Payments Pro level that are designed to scale to your business as it grows.

PayPal can accept payments in 25 forms of currency and from more than countries. You can also use PayPal to set up subscriptions and other forms of interval payment, as well as customized invoicing.

The standard amount you can transfer in a single transaction is $10,, but you can increase this limit by contacting PayPal and providing certain verification information. Though PayPal aims its services at small and mid-size companies, several large online retailers use PayPal as a payment option for their customers, and for businesses that rely on a high volume of payments of less than $10 each, PayPal offers a special micropayment fee structure.

If your business has the good fortune to generate large amounts of income through sales, then PayPal’s per-transaction processing fees can add up quickly. In this case, you may need to look for another online transaction solution that offers a flat rate or work with PayPal to create an individualized fee structure. The PSP has stated that they’re committed to scaling their products to grow their customer base.

PayPal isn’t designed for businesses that rely on frequent large transfers of cash from vendors to other business partners.

PayPal business accounts for nonprofit organizations 

PayPal has become an important part of the nonprofit landscape, with more than 1 million users donating over $ million via PayPal on GivingTuesday alone. Those donations, like all donations made in December , were augmented by 10 percent from the PayPal Giving Fund. The rest of the year, PayPal’s Giving Fund kicks in 1 percent on every donation toward whatever verifiable (c)(3) charities users designate.

PayPal’s low costs, relatively fast transactions, reputation for reliability and security, and vast pool of users can all be leveraged to fuel charitable fundraising. In many cases, donation dollars show up in your organization’s account within minutes. From there, you can transfer money to your organization’s bank account at no charge. More than , nonprofits already receive funds through PayPal.

Fees for nonprofits

Registered charities with (c)(3) status pay a reduced per-transaction rate of percent plus 30 cents for U.S.-based donations, and percent plus a fixed fee for international donations. 

Donor tracking and access

Creating a PayPal business account and enrolling in their Giving Fund can help your organization tap into the payment platform’s growing segment of donors, including the 8 million users who donated to charities in

What’s more, monthly statements and searches allow you to easily track and leverage donor information. There are also options that allow donors to sign up for recurring monthly donations.

According to a survey conducted in , 28 percent of PayPal charitable donors said they wouldn’t have made their donations if PayPal hadn’t been among the payment options.

Secure donor transactions from anywhere

Using PayPal Here, you can accept payments onsite at fundraisers using a mobile device. With a standard account, your nonprofit organization can get, at no extra charge, up to five basic credit card-reading attachments (though more advanced card readers with additional security are recommended for nonprofits that expect higher volume donations) or three chip and swipe readers that can be used with a smartphone or tablet.

The information donors provide at the point of sale can be automatically integrated into your donor contact list. And you can help keep this information secure by setting user permissions so that volunteers and employees can complete only specific tasks.

PayPal has also partnered with a variety of national and international applications and online resources aimed at the not-for-profit sector, which means that enrolling in their solutions for nonprofits can extend your reach to donors throughout the world.

Services and benefits

Like all PayPal business accounts, nonprofits can access free, seven-day-a-week customer support. Your organization will be eligible for a PayPal Business Debit Mastercard, which allows you to earn 1 percent cash back on expenses.

Even if you opt not to open a PayPal business account, you can enroll in the PayPal Giving Fund, giving potential donors the opportunity to allocate funds to your organization using eBay, Go Fund Me, Humble Bundle, and other online applications when they purchase items using PayPal. Once you’re enrolled, the PayPal Giving Fund will manage tax receipts for your donors automatically.

Nonprofit partnerships

PayPal has partnered with some of the most recognized platforms in the nonprofit sector to expand the reach of nonprofits to online donors, including the digital transaction solution Paperless Transactions, the online fundraising platform FundRazr, fundraiser management software provider Classy, marketing and constituent engagement system BlackBaud, donor management and fundraising software Network for Good, and eBay.

Each of these solutions allows you to set up PayPal as your preferred transaction provider and integrates your business account into their platform for easy use by staff, volunteers, and donors.

PayPal business account requirements

Among the advantages of a PayPal business account are the relatively few requirements and the absence of up-front fees. There are no minimum capital or sales volume requirements either, making it an attainable next step for sole proprietors or small businesses looking to extend their range and increase their clients’ payment options.

Getting started: What you’ll need to open a PayPal business account

If you don’t have a separate bank account for your business, you should consider setting up one before you set up a PayPal business account.

You can use your personal account, but it’s best to have at least two bank accounts as you begin your entrepreneurial endeavors on PayPal — one personal and one for your business. This will make it much easier to track payments and business expenses, complete your taxes, and gauge your business’s rate of growth.

Once you have both your personal and business bank accounts in place, you can sign up for a PayPal business account in a few simple steps.

As with a PayPal personal account, you’ll need to confirm your email address, provide contact information, and provide account information for the bank account where you’d like the money to be deposited; a designated business banking account is recommended but not required.

You’ll need to provide a business name that will appear on customer invoices. And you’ll be asked to describe the type of business you have by selecting from a dropdown list:

  • Individual/sole proprietorship
  • Partnership
  • Corporation
  • Nonprofit organization
  • Government entity

Depending on your business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number. However, there are no wrong answers; you merely need to provide the information.

Finally, you’ll need to provide customer service contact information, which for a sole proprietor is likely to be you.

The costs of a personal and a standard, or first-level, business account are identical. Neither has startup or monthly fees, and both have identical transaction fees.

Just so you know

Create a payment, order, or donation form that works with your PayPal business account, Sign up for your free Jotform account to get started.

Frequently asked questions about PayPal business accounts

  1. Do you have to be a U.S. citizen to open a PayPal business account?

  2. In accordance with the Foreign Account Tax Compliance Act (FATCA), users opening a business account may need to provide tax documents and other verifying information to prove that they are a U.S. citizen or a non-U.S. citizen who is properly paying taxes on any monies collected or earned in the United States or from U.S. citizens.

    In addition, to comply with FATCA, PayPal reviews personal accounts frequently, and when discrepancies are found, will request documentation of citizenry or lawful U.S. taxpayer status from account holders.

  3. Is there a minimum income required to open a PayPal business account?

  4. There is no minimum income or sales volume required to open a business account. However, to be eligible for PayPal Working Capital, you need to have a business account up and running for 90 days and process at least $15, in a month period.

PayPal business account fees

If you want to start using PayPal for your business, it’s important to understand the PayPal business account fees associated with standard transactions and accepted payments online and in store.

Most important, there are no initial costs to get started or monthly costs attached to a standard PayPal business account. There are no termination fees either. Using a standard PayPal business account is best for businesses that want to save on fees and enjoy some flexibility.

If you want to offer a more robust customized and integrated shopping cart and checkout experience for your customers online, you may want to consider upgrading to a PayPal Payments Pro account. It costs $30 per month, along with the standard transaction fees.

PayPal business account transaction fees are only applied when you sell products or services and accept payments online or in store. Your business pays a standard transaction fee based on the percentage of the total transaction amount and the fixed fee of the currency for the respective country. Below is a breakdown of the percentages and fixed fees for online and in-store transactions in the U.S.

Transaction typesPercentage of total transaction amount Fixed fee amount
Online%$ USD
In-store%no fee

If you’re selling online or in store internationally, the percentage of the standard transaction amount increases slightly, and the fixed fee amount based on the local currency still applies to your total fees. Here’s a breakdown of the transaction percentages and fixed fees you might expect if doing business in Mexico:

Transaction typesPercentage of total transaction amount Fixed fee amount
Online*% Mexican Peso
In-store%no fee

*International sales made online incur an additional 3-percent currency conversion charge and a percent charge for receiving a payment from a different country.

Your PayPal business account fees will vary according to the country you’re selling to and accepting payments from. This list of the countries and their currencies will help you calculate the fixed fee amount for your total transaction fees when selling products/services and accepting payments abroad.

Acceptable forms of payment include Venmo, PayPal Credit, PayPal payments, and all major credit and debit cards with PayPal Checkout and PayPal Payments Standard.

Just so you know

Looking to accept PayPal payments for your business without additional transaction fees? Get started with our free Form Builder!

Reduced transaction fees for nonprofit organizations and charities

If you’re a nonprofit organization with (c)(3) status, you’ll pay reduced fees for credit card, debit card, or PayPal donation payments in the U.S. and internationally. Here are the transaction fees and fixed fees for a nonprofit organization:

LocationPercentage of total transaction amount Fixed fee amount
U.S.%$ USD
Internationally%varies by country

To qualify your PayPal business account for discounted transaction fees, you must verify your nonprofit organization’s charity status by providing your employer identification number (EIN) and proof of the nonprofit bank account linked to the PayPal account via bank statement or a voided check.

Other PayPal business account fees

Apart from the standard transaction fees attached to a PayPal business account, there are several add-on features that may or may not cost you. Here are some possibilities:

Service typeLocationPercentage of total transaction amount Fixed fee amount
Online invoice creation (doesn’t include fees associated with paying the invoice)U.S. or InternationalNo feeno fee
Micropayments*U.S.%$ USD
MicropaymentsInternational%varies by country**
PayPal Payments Pro
($30 USD monthly fee)
U.S.%, plus % per transaction if using an American Express card$ USD
PayPal Payments Pro

($30 USD monthly fee)
International% per transaction, plus % per transaction if using an American Express cardvaries by country***
Virtual Terminal

($30 USD monthly fee)
U.S.% per transaction, plus % per transaction if using an American Express card$ USD
Virtual Terminal

($30 USD monthly fee)
International% per transaction, plus % per transaction if using an American Express cardvaries by country***
Mobile Card Reader Swipe and check-ins in the U.S.% per transactionno fee
Mobile Card Reader Key or scan in the U.S.% + $ per transactionno fee
Mobile Card Reader Swiped non-U.S. cards% per swipe % cross-border fee and/or % currency conversion fee

*Micropayments are transactions less than $

**Click here for micropayment fixed fee amounts by country.

***Click here for PayPal Payments Pro and Virtual Terminal fixed fee amounts by country. 

PayPal bank account transfer fees and options

Transferring money to your bank account is easy as long as you have a U.S. PayPal account already set up and linked to your bank account. This transfer can be done through a personal or business PayPal account, and there are two options to consider:

  1. A standard transfer
  2. An instant transfer

Zero-cost Standard Transfers

If you’ve linked a bank account to your PayPal business or personal account, then you don’t have to pay a transfer fee. Transfers typically take one to three business days to be deposited. If you opt to complete a transfer on a weekend or holiday, it may take slightly longer for the money to show up in your account.   

Costs for Instant Transfers

With Instant Transfers, you can transfer money from your business or personal account to your bank account or debit card in a matter of minutes. Keep in mind that transfers can take up to 30 minutes depending on your bank, and you do have to pay an additional fee for this service. The cost to use Instant Transfer is 1 percent of the total amount you transferred, up to a maximum fee of $

Eligibility requirements for transfers

Both standard and Instant Transfers require a linked and eligible bank account. Your bank is eligible if it’s part of the Clearing House Real Time Payments program. If you’re transferring funds to a linked debit card using Instant Transfer, your debit card must be a Visa or Mastercard to be eligible.

You can transfer to whichever linked account (bank or debit card) that you choose. Keep in mind that there could be a delay in your transfer if it’s subject to review, submitted after 7 p.m. Eastern time, and on weekends or holidays.

PayPal business account vs personal account withdrawal limits

If your business chooses to use Instant Transfer for your PayPal business account, there are withdrawal limits based on account type. Check out the withdrawal limits below:

Withdrawal limit typeWithdrawal limit amountBusiness account or bank
By transaction$50,business account
By transaction$25,bank
By day$,business account
By week$,business account
By month$,business account

If you want to use Instant Transfer for your PayPal personal account, below are the withdrawal limits on your debit card and bank:

Withdrawal limit typeWithdrawal limit amountPersonal debit card or bank
By transaction$5,debit card
By transaction$25,bank
By day$5,debit card
By week$5,debit card
By month$15,debit card

PayPal business account fees vs personal account fees

Opening a PayPal business account or personal account is free, unless you choose to upgrade your account. There are no startup costs, termination fees, or monthly maintenance fees for the standard version of these accounts.

The main difference between the two are the transaction fees. A business account will incur charges based on standard transaction fees and fixed fees from selling products or services online or in-store.

A personal account, on the other hand, charges transaction and fixed fees in the U.S. and internationally when you receive money from someone who uses a credit card, debit card or PayPay Credit. A personal account won’t charge fees if you receive money from someone using a linked bank account, PayPal Cash, or a balance from PayPal Cash Plus.

Payment methodLocationFees Fixed fee amount
PayPal Cash or PayPal Cash PlusU.S.waivednone
Credit card, debit card, or PayPal CreditU.S.% of the total amount $ USD
PayPal balance or linked bank accountInternational5% of the amount sent, from $–$ USDnone
Credit card, debit card, or PayPal CreditInternational5% of the amount sent, from $–$ USD, plus % of the transaction amount from a specific payment methodvaries by country

Also, transferring your money to your bank from a business account or a personal account is typically free, unless you use Instant Transfer. In this case, the withdrawal limits differ depending on whether you have a business account or a personal account.

The cost to buy in the U.S., however, is always free for either account type.

Frequently asked questions about PayPal business account fees

  1. How much does it cost to start using my PayPal business account?

  2. It’s completely free to get started. There are no startup costs, monthly fees, or termination fees.

  3. What are the minimum fees I should expect to pay for my PayPal business account?

  4. You should expect to pay the standard transaction fees for online and in-store transactions in the U.S. and internationally, and any fixed fees for the respective country.

    Find out more from the breakdown of costs above.

  5. When doing business internationally, are there currency conversion costs involved?

  6. Yes. You will be charged an additional 3 percent for currency conversions and a percent fee if you receive payments from a different country.

  7. How much does it cost to transfer money from my PayPal business account or personal account to my bank or debit card?

  8. For a standard transfer, there are no costs. For Instant Transfers, which can give you access to your funds in as little as 30 minutes, the cost is 1 percent of the total amount you transferred, up to a maximum fee of $ Keep in mind that there are withdrawal limits for your business account and personal account if you’re using Instant Transfer.

How to set up a PayPal business account

Ready to start accepting payments for your business with a PayPal business account? You can get up and running in just a few easy steps. Here is a step-by-step guide to help.

Setting up a PayPal business account

  1. First, make sure you have an email set up with PayPal. If not, click Sign Up to get started. Remember, signing up for a PayPal personal or PayPal business account is free.
  2. Signup to PayPal screen
  3. Next, you’ll be asked what type of account you want to set up. Select Business Account and click Next.
  4. selecting business account
  5. On the next screen, you’ll be asked to enter the email address you want to use to set up your PayPal business account. Enter the email you want to use, and then click Continue.
  6. entering email address in the sign up for a business account screen
  7. After you enter the email address, create a password. Your password must be at least eight characters and contain at least one number and symbol.
  8. creating password for your PayPal business account

    Just so you know

    Did you know you can use Jotform to collect PayPal payments for your business? Create your online payment form for free today!

  9. After you set up a password that meets the requirements, you’ll be taken to a screen that says, Tell us about your business. Here, you’ll provide more information about your business, such as the business contact’s name, the business name, and the business address.
  10. You’ll also be asked to agree to an E-communication Delivery Policy, a User Agreement, and a Privacy Statement. Once you’ve read through these documents and are ready to continue, check the box and click Agree and Create Account.

    providing more information about your business in the "tell us about your business" screen
  11. On the next screen, you’ll be asked to describe what type of business you have. You can select from a dropdown list. Depending on the business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number.
  12. selecting your business type in "describe your business" screen
    "describe your business" modal
    "PayPal Business Debit Mastercard" offer

    Based on the information you give, you may be asked if you want to receive a PayPal Business Debit Mastercard, which allows you to quickly and easily access money in your PayPal account much in the same way you would access money from a typical bank account.

    This card has no annual fee once you’ve received at least $ in payments. You can use the card balance anywhere that has the Mastercard logo and get 1 percent cash back each month on select purchases.

    Click on the box if you would like to receive this account offer, or unclick it if you don’t want it, and then click Continue.

  13. Next, you’ll be asked to provide some personal information to set up your account, including the last four digits of your social security number, your birth date, and your home address. PayPal won’t perform a credit check based on this information. After you’ve added all of your personal information, click Submit.
  14. "tell us more about you" screen
  15. Once you’ve submitted your information, your PayPal business account is set up and ready to use. You’ll be taken to a page to select from a range of features you can use for your account.
  16. For example, you can request or send money, send an invoice, set up recurring payments for your business, or take advantage of services like PayPal Checkout to accept payments online. You can also set up your account to accept card reader payments if you’re mobile, in store, or using the PayPal Here sales tracker app.

    Finally, you can connect to an online marketplace with PayPal already built in to accept payments that way.

    "welcome to your PayPal business account" screen

How to upgrade or downgrade a PayPal business account

Upgrading to a PayPal business account is beneficial for e-commerce businesses that want to customize and enhance the shopping and checkout experiences for their customers. You can upgrade your personal account to a business account in just three easy steps. However, it can take a bit longer to downgrade your business account to a personal account because this has to be done manually. 

Just so you know

Collect online payments for your business directly through your forms with Jotform&#;s PayPal Commerce Platform integration.

Upgrading to a PayPal business account

If you prefer, you can have multiple PayPal accounts: a personal and a business account, but you have to use unique emails for each account.

If you’d like to use your PayPal personal account email to upgrade to a PayPal business account, follow these steps:

  1. On the login page, select Sign Up, choose the Business Account option, and then click Next. After you complete your personal account login information, you’ll be asked if you want to switch your current personal account to a business account. Select Use your current email to switch to a business account, and then click Next.
  2. selecting the email address you want to use with your business account
  3. On the next page, you’ll be asked to fill out your business information and then agree to the terms and conditions.
  4. "upgrade to a business account" screen
  5. Once you’ve done this, you’ll go through the same steps as in the How to set up a PayPal Business account section.

Upgrade PayPal business account options

There are two primary PayPal business accounts to choose from. One is free, and one charges a monthly fee.


This account is free, accepts all major credit card and debit card payments, accepts PayPal payments, and allows customers to pay over time if they choose. There is no monthly fee.

Payments Pro

This account has a monthly fee of $ PayPal Payments Pro includes all the features of a standard account but allows you to customize your customer’s checkout experience and to integrate with your established shopping cart.

Downgrading a PayPal business account

If you’d like to convert your PayPal business account to a personal account, you’ll need to contact a PayPal customer service representative directly. Changing your PayPal business account to a personal account can only be done manually.

How to delete and close a PayPal business account

There are plenty of reasons you might delete and close your PayPal business account. For example, if

  • Your account has been compromised and must be shut down to protect your information
  • You’re no longer in business and don’t plan to use the account anymore
  • You want to create a new account with a different email address
  • You want to use a different business account

Whatever the reason, you can delete and close your account in just a few easy steps.

  1. The first step is logging into your account and transferring any remaining balances from your PayPal business account to your bank. If you request a check, you’ll be charged a processing fee of $
  2. Next, download any data you want to keep. For example, you may want to download your transaction history from the Activity tab or your financial statements and summaries from the Reports tab. Once you delete and close your account, you won’t be able to access this information anymore. Make sure to download anything you don’t want to lose.
  3. Once you’ve transferred any remaining funds to your bank and downloaded the data you want to keep, click on the gear icon on the far right-hand corner and choose Account Settings from the dropdown menu.
  4. Account Settings button at the top right under Gear icon
  5. On the Account Settings page, there will be three options under the Account & Security menu on the left-hand corner. Click on Account preferences.
  6. Account preferences under "account & security" tab
  7. At the bottom, where it says Account type, click the Close account link. Once you click on this link, you’ll be redirected to a page that informs you that closing your account is final and that all your history will be lost. If you agree to these terms, click Continue.
  8. "Close account" screen
  9. Finally, you’ll be asked to provide up to three reasons why you’re closing your account. Once you’ve made your selections and added any comments, click Continue.
  10. "reason for closing account" screen
  11. PayPal will ask you to confirm that you’re closing your business account one last time. If you’re certain this is what you want to do, click Confirm, and your business account will officially be deleted and closed. You’ll no longer be able to access it.
  12. "Contact Us" screen
  13. Within the next 24 hours, you should receive a confirmation email from PayPal that says your account has been permanently deleted and closed.

How to use Jotform to sell products and collect payments

Now you have all the facts, and perhaps you’ve settled on a PayPal business account as your PSP. Maybe you’ve set up your account, and you’re ready to start watching your bottom line grow.

Alternatively, you may still be deliberating or comparing options. Regardless of where you are in the decision-making process, it’s important to remember that having the power to collect payments is only one small piece of the puzzle.

sell product and collect payments

Just so you know

No matter what products or services you sell, get paid online with Jotform&#;s PayPal Commerce forms.

Another critical element is creating the infrastructure that will allow you to effectively market and sell your products and subscriptions, or collect donations and raise money online. This may feel especially intimidating if you’re not particularly web savvy.

Similarly, if you’re a microbusiness with limited resources or a nonprofit that’s always battling against time, you may not have much time to spare setting up an e-commerce site or learning the ins and outs of website development and design.

The good news is that Jotform offers a form building solution that makes it as easy to sell products as PayPal makes it to collect payments. The even better news is that you can create a PayPal payment form with Jotform, so it’s incredibly simple to get your goods in the hands of your customers and get paid!

This option is particularly useful for charities and organizations accepting donations, anyone putting on events, order-based businesses, DIY entrepreneurs, and even professional services providers. Truth be told, any business — big or small — can use Jotform’s easy online Form Builder to create order forms, recurring subscription forms, membership forms, and more in only a couple of clicks.

Then it’s just a matter of selecting either the appropriate PayPal Personal,  PayPal Business, or PayPal Invoicing option from the Form Elements section in the Jotform Form Builder and completing the steps that follow.

Jotform not only makes it a snap to start selling your goods and services, but the uber popular form builder also doesn’t charge any extra transaction fees. PayPal’s standard fees apply as normal. The only fees you pay Jotform are for your account, unless you’re on a free plan.

And if that’s not enough to pique your interest, here are a few other great reasons to consider using a JotForm-PayPal business account integration to start selling and collecting payments:

  1. It’s flexible. Jotform gives you the ability to collect everything from payments for products with a specific price to recurring subscriptions to custom donation amounts.
  2. It comes at no cost. Not only does Jotform forego charging any additional transaction fees, the platform also offers a free account option that gives users the opportunity to accept 10 payments per month on the house. If you plan on accepting more, you can opt for any of the other Jotform plans.
  3. It’s as easy as Anyone and everyone can use Jotform’s drag-and-drop Form Builder to put together nearly any kind of form. It’s beyond simple.
  4. No technical expertise needed. No code know-how required. You don’t need development knowledge to use Jotform, and thanks to the platform’s super robust Help section, even if you do run into a problem, there are resources and support available to give you the guidance you need.
  5. Thousands of templates. Among their 10, form templates, Jotform has templates made just for PayPal.
  6. End-to-end customization. From adding your own branding to uploading an image to make your form look friendlier, Jotform’s Form Builder makes it a breeze to customize templates. And if you do have some engineering skills, you can even add CSS to create the kind of forms your customers or donors will love.
  7. PCI compliance. When the risk of cyberattacks and fraud seem to be increasing daily, customers want to know your website is secure. Jotform provides both your business and the people supporting it with the highest level of security protection.
  8. In fact, it’s the only form provider that’s Payment Credit Industry Data Security Standard (PCI DSS) Service Provider Level I certified, the highest security attainment you can have as a business that collects payments from and integrates with credit cards. It’s also GDPR compliant, CCPA compliant, and it allows for form encryption.

This article is originally published on Feb 25, , and updated on Sep 04,


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How to Use PayPal to Make Money Online

When it comes to turning your website into a money-making business, PayPal is a popular choice for handling transactions. The service is known for being secure, convenient and fast "

When it comes to turning your website into a money-making business, PayPal is a popular choice for handling transactions. The service is known for being secure, convenient and fast " payments can show up in your account within minutes of a sale. But there are costs associated with using PayPal to process payments, so you'll have to weigh the options to ensure you're getting the best deal.

Here's a breakdown of the company's offerings to help you decide.

PayPal's options for online businesses

First you'll have to choose between a business and a premier account. Both carry a standard fee for online payments and invoicing: % plus 30 cents per transaction within the U.S.

PayPal recommends a premier account for casual sellers " those who don't rely on their site for a steady source of income and plan on purchasing as well as selling. To access this account type, you first have to get a business account and then downgrade to the premier account. The business account, on the other hand, requires you to operate under a company or group name.

Keep in mind that there are additional fees for each account type for things like chargebacks and refunds. And extras, like recurring billing, have costs associated with them as well.

After you've decided on an account type, you'll need to compare PayPal's payment and checkout products.

�Key feature(s)Additional costs (beyond the standard % plus 30 cents per transaction)Best forPayments StandardQuick setup, lets you accept credit cards, debit cards, PayPal, and PayPal Credit

From there you can add a link and invoices to your payment options, at no additional costNoneGeneral billingPayments ProWorks with credit cards, PayPal Credit, and PayPal; has a virtual terminal option (to accept phone, fax and mail orders online); it's also compatible with many existing checkout systems$30 per monthKeeping the checkout process on your site (rather than directing buyers to PayPal's site) and customizing the checkout experiencePayments AdvancedWorks with many popular checkout systems$5 per monthHousing the checkout process on your site, as long as you don't need a virtual terminal (like the one offered in the Pro account)Express CheckoutWorks with many popular checkout systemsNoneQuick checkouts for sites that already accept credit cards

PayPal also has a partner service called Braintree �that �delivers a similar checkout experience to Payments Pro. It offers a standard checkout at no extra cost beyond PayPal's basic transaction fees, with the option to upgrade to a higher-priced, but more customizable checkout service. If your customers prefer paying with virtual cash and accounts " think Apple Pay and Bitcoin " it's your best bet.

Adding PayPal to your site

Once you have a PayPal business or premier account, you'll need to give customers access to your products. Depending on which service you select, you may need to insert a link to your PayPal account, add a contact form, insert a bit of code onto your website or create a button through PayPal's site.

Read more about adding PayPal to your site here.

Alternatives to PayPal

If you dislike the idea of paying fees or don't want to use PayPal, there are alternatives that can get the job done.

If you already have a Google account, �Google Wallet could be a solid option. There are no fees to send or receive money, but it's only available for businesses that are sole proprietorships (rather than registered corporations). Otherwise, sites like Amazon Pay (which carries the same standard rate as PayPal for domestic transactions) and TransferWise (for international payments) are worth looking into.

Devon Delfino is a staff writer at NerdWallet, a personal finance website. Email: [email protected] Twitter: @devondelfino.

The article How to Use PayPal to Make Money Online originally appeared on NerdWallet.


Millions of companies of all sizes—from startups to Fortune s—use Stripe’s software and APIs to accept payments, send payouts, and manage their businesses online.

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2017 account paypal premier

How to Set Up a Premier PayPal Account

PayPal is an online service to make and receive payments. The company asks for one of three pieces of information before you can use your PayPal account (but not to set it up): a credit card, a debit card or a bank account number. You’ll need an e-mail account to sign up for any of PayPal’s accounts. The company offers four types, but the Premier is the only one that allows multi-user access. PayPal accounts are free to set up; however, fees apply depending on the transaction.

Go to and click on “Sign Up” on the top menu.

Select your country and language on the two drop-down menus.

Click on “Get Started” in the box that says “Premier.”

Scroll down to the bottom of the page. Click on the link that says “User Agreement” and read the agreement. Close the “User Agreement” window.

Click on the link that says “Privacy Policy” and read the policy. Close the “Privacy Policy” window.

Scroll to the top of the page. Complete the form on it. All information asked is required.

Click on the button that says “Agree and Create an Account.” PayPal will send you an e-mail confirming your new Premier account.


Writer Bio

Emma Watkins writes on finance, fitness and gardening. Her articles and essays have appeared in "Writer's Digest," "The Writer," "From House to Home," "Big Apple Parent" and other online and print venues. Watkins holds a Master of Arts in psychology.

How to signup for a new PayPal premier account

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