PayPal Business transaction fees in 2026: 2.99% + $0.30 for standard domestic transactions. International: 4.99% + fixed fee. Currency conversion adds 3.5%. PayPal Here (in-person): 2.7% per swipe. For high-volume sellers (100+ transactions/month), the Merchant Services rate drops to 2.2% + $0.30. Ecommerce stores typically pay $0.30–0.80 per transaction in total fees. Mass payments: 2% per payment ($1 cap). Compare with Stripe at 2.9% + $0.30 — PayPal wins only above $30 AOV at high volumes.