Platform Overview
PayPal Overview
PayPal: 2.9% + $0.30 for standard transactions. Strong online presence and buyer trust.
Square Overview
Square: 2.6% + $0.10 in-person, 2.9% + $0.30 online. Free POS with hardware options.
Fee Comparison
| Aspect | PayPal | Square | Notes |
|---|---|---|---|
| In-Person Rate | 2.9% + $0.30 | 2.6% + $0.10 | Square 0.3% cheaper |
| Online Rate | 2.9% + $0.30 | 2.9% + $0.30 | Same rates |
| POS Software | PayPal Zettle | Free Square POS | Square advantage |
| Buyer Trust | Very high | Growing | PayPal advantage |
Our Recommendation
Square for retail/POS with lower rates; PayPal for online buyer trust.
Key Takeaways
What to Consider
- Platform fees are only part of the equation - factor in fulfillment, shipping, and your time.
- Consider your product type and target audience when choosing between PayPal and Square.
- Use our Profit Calculator to estimate exact costs.
Key Takeaways
- Always calculate your total fees before listing â use our free calculator below.
- Consider your product category and selling volume when comparing platforms.
- Factor in fulfillment costs for an accurate profit comparison.
Data Methodology & Disclaimer
Fee data and benchmarks in this article are sourced from official platform documentation and cross-referenced with publicly available rate schedules as of April 2026. Calculations use standard fee formulas; individual results vary based on product category and specific listing details.
Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Check the latest rates at each platform's official seller fees page. Fee structures reflect publicly available information as of April 2026 and are subject to change. Always verify current rates before making financial decisions.