PayPal

No monthly or setup fees. Only pay when you get paid.¹⁰

Fees apply

One of the biggest advantages of PayPal Checkout is that it gives shoppers more choice in how they want to pay, which can be a game changer in turning potential buyers into actual customers and driving sales growth. In fact, a recent study showed an 146 % increase in purchases on international websites that accept PayPal compared to those that don’t.¹¹ By offering a seamless and convenient payment experience, along with continuously updated solutions, we help merchants not only boost their conversion rates significantly but also build trust with their customers. With PayPal Checkout, merchants can offer a wide range of payment options, including PayPal, buy now, pay later solutions¹², Apple Pay®¹³, Google Pay™¹⁴, traditional credit and debit cards, and even country-specific payment methods - all through a single integration. This means merchants no longer need to manage multiple payment providers, making it much easier to track all their transactions on one centralized dashboard. On top of that, PayPal Checkout enhances security for both businesses and their customers, thanks to features like Fraud Protection¹⁵, Chargeback Protection¹⁶, and Seller Protection¹⁷, on eligible transactions. So, it’s not just about convenience, but also about offering a secure, flexible, and trustworthy payment experience.

We know that keeping up with payment technology trends can play an important role in a merchant’s digitalization strategy and help deliver the buying experiences today’s customers may expect. We see two trends emerging:

Firstly, AI payment technology: Optimized routing tools powered by machine learning can potentially help speed up approvals, decrease false declines, reduce chargebacks, and create a more streamlined customer experience from the frontend to the backend. Machine learning also powers the latest payments fraud mitigation tools, which leverage large-scale analytics to look for patterns, trends, and anomalies.

Secondly, digital wallets: As these become widespread, biometric authentication that relies on face, fingerprint, or retinal data may become increasingly important to improving security. Your customers’ biometric data may offer a strong defense against fraud and capturing that data as encrypted code could make the process even more secure.

This becomes more important as cross-border payment platforms try to help your customers connect and seamlessly navigate complex international payment systems. By simplifying digital transactions, digital wallets hope to make that complexity easier to manage.

Our partnership with IXOPAY provides merchants with a number of significant advantages: Our companies' developers work closely together, ensuring a rapid implementation of new features and the quick resolution of any bugs. Moreover, the PayPal Checkout integration via IXOPAY allows for extensive customization, enabling the addition of alternative payment methods as required. IXOPAY is also one of our primary partners for implementing new functions. The latest addition is Card Vaulting, a solution which enables eligible businesses to allow their customers to securely store their payment methods in the PayPal vault for future purchases. This provides a seamless shopping experience for consumers, and helps small businesses drive conversions and repeat buyers.

*Pay Later is available in US, UK, DE, FR, IT, ES, AU. Product availability subject to local requirements. Merchant and consumer eligibility varies depending on status. Credit checks, fees and other requirements apply and vary depending on product and jurisdiction. See product-specific terms for details.

¹Nielsen Behavioral Panel of USA with 29K SMB  monthly average desktop purchase transactions, from 13K consumers between April 2022-March 2023. Nielsen Attitudinal Survey of USA (June 2023) with 2,001 recent purchasers (past 4 weeks) from SMB merchants, including 1,000 PayPal transactions & 1,001 non-PayPal transactions.

²PayPal Pay Later eligibility and availability is subject to merchant status, sector and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal. 

³Based on PayPal internal data from Jan 2022 - Dec 2022.

⁴Globally, Pay Later AOVs are 35%+ higher than standard PayPal AOVs for SMBs. Internal Data Analysis of 68,374 SMB across integrated partners and non integrated partners, November 2022. Data inclusive of PayPal Pay Later product use across 7 markets.

⁵In July 2022, PayPal was recognized as the #1 most downloaded finance and banking app globally. **Apptopia, Top 10 Finance & Banking apps, H1 2022. July 13, 2022.

⁶CR (Consumer Reports), "Buy Now, Pay Later Apps Are Popular, but Are They Safe?" Consumer Reports , May 25, 2023.

⁷Available for eligible transactions. Limits apply.

⁸Available on eligible purchases.

⁹Chargebacks that are not related to fraud or item not received (INR), such as broken Item, significantly not as described (SNAD), refund not processed, and duplicate charge, are not protected by Chargeback Protection. Chargeback Protection is available for accounts enrolled in Advanced Credit and Debit Card Payments.

¹⁰Our standard rate pricing listed herein is for US transactions only in USD and is effective starting on August 2, 2021.

¹¹ ACA Research, commissioned by PayPal, November 2022. The consumer research consisted of a 15 minute online survey of n=15,221* consumers across 12 different markets (BE, FR, DE, GR, IE, IL, IT, NL, PO, ES, SE, UK)aged 18-75 years from 15 June- 22 July, with additional top-up sample collected between 26 August - 9 September and 13-18 september.
*NOTE: Total consumer sample for France & Germany includes additional participants from top up studies on BNPL and Cross Border respectively.
BASE: All Consumers 18-75, n=13,177.

¹² PayPal Pay Later eligibility and availability is subject to merchant status, sector and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.   

¹³ Apple and Apple Pay are registered trademarks of Apple Inc.

¹⁴ Google Pay™️ is a registered trademark of Google LLC.

¹⁵ Fraud Protection is available on "Advanced Card Payments" (unbranded processing) and branded PayPal payments but not guest transactions.

¹⁶ Certain chargebacks are not eligible for the Chargeback Protection tool. See terms for details. Chargebacks that are not related to fraud or item not received (INR), such as broken Item, significantly not as described (SNAD), refund not processed, and duplicate charge, are not protected by Chargeback Protection. Chargeback Protection is available for accounts enrolled in Advanced Credit and Debit Card Payments.

¹⁷ Available on eligible purchases. Limits apply.

MRF-93931