Paypal Pricing & Features Overview- Subscribed.FYI
Fintech and Banking


PayPal is a secure digital wallet facilitating global money transfers, online shopping, and mobile payments. Ideal for individuals and businesses seeking convenience, security, and versatile funding options for their online transactions.


What is PayPal?

Forget the hassle of checks and money orders. PayPal isn’t just an online payment processor; it’s a digital wallet designed to streamline your online transactions with security and convenience. From sending and receiving money globally to shopping online securely, PayPal empowers you to manage your finances digitally with peace of mind.

Why Choose PayPal?

Looking for a secure and convenient way to send and receive money online? Here’s why PayPal stands out:

  • Easy Money Transfers: Send and receive payments quickly and securely between friends, family, and businesses worldwide.
  • Global Acceptance: Shop online at millions of PayPal-accepting merchants around the world.
  • Enhanced Buyer and Seller Protection: Enjoy added security for both buyers and sellers with purchase protection and seller protection programs.
  • Mobile Payment Convenience: Use the PayPal mobile app to send and receive money on the go.
  • Multiple Funding Options: Link your bank account, debit card, or credit card to your PayPal account for easy transactions.

Who is PayPal For?

PayPal caters to individuals and businesses seeking a secure and versatile online payment solution:

  • Online Shoppers: Make secure purchases at millions of online stores that accept PayPal.
  • Freelancers and Contractors: Get paid quickly and easily by clients around the world.
  • People Sending Money Abroad: Send money internationally to friends and family with competitive exchange rates.
  • Small Businesses: Accept online payments securely and expand your customer base globally.
  • Anyone Looking for a Digital Wallet: PayPal offers a convenient and secure way to manage your online finances.

PayPal goes beyond a simple payment method, offering a secure and versatile platform designed to simplify your online transactions. With its focus on convenience, global reach, and buyer/seller protection, PayPal is the perfect choice for individuals and businesses seeking a seamless and secure way to manage their online finances.



6% Off on Subscription
6% Discount on Around Subscription Cost
6% Per Year

Pricing and Features

Product Tier

Buy Now, Pay Later Pay in 4

Late Payment fee


  • Amount: $30 to $1500, split into 4 payments.
  • Interest-Free: Bi-weekly payments with 0% APR.
  • Repayment: Debit, credit, or confirmed bank account.
  • PayPal Balance: Not for autopay; purchase protection included.
  • Autopay: Enrolled automatically at time of purchase.

Buy Now, Pay Later Pay Monthly

Late Payment fee




  • Amount: $199 to $10,000, payable in installments.
  • Monthly Payments: Choose 6, 12, or 24-month terms.
  • APR: Rates range from 9.99% to 35.99%.
  • Repayment: Debit card, bank account, or PayPal Balance.
  • Purchase Protection: Included; autopay optional after purchase.

Paypal Savings



  • Earn Interest: Grow savings effortlessly with 4.30% APY.
  • No Minimums: No fees or account balance requirements.
  • Easy Management: Access savings 24/7 for transfers and goals.
  • Goal Tracking: Set and monitor short- or long-term goals.
  • Flexible Transfers: Add funds easily from various sources.
  • Auto-Save: Simplify saving with automatic deposits.

Paypal Credit

Card Fee


Minimum Interest Charge




Late Payment fee

$30 or $41

  • BNPL: No interest on $99+ purchases (if paid in 6 months).
  • Convenient App Access: Manage PayPal Credit anytime, anywhere.
  • Universal Acceptance: Use at millions of online stores.
  • Reusable Credit Line: No annual fee, always-on credit option.

Cashback Mastercard

Monthly Fee


  • Unlimited Cash Back: Earn 3% with PayPal, 2% elsewhere.
  • Combine Rewards: Merge card cash back with offers.
  • Apply Easily: No annual fee, simple application process.
  • Tap to Pay: Convenient mobile wallet checkout options.
  • Manage Anywhere: Control your account easily with the app.

Debit Card

US Transaction Fee


MoneyPass ATM Transaction FeeFee


Foreign Transaction Fee


Non-MoneyPass ATM Transaction Fee


  • PayPal Debit Card: Spend PayPal balance, earn cash back.
  • Earn Rewards: Redeem points for cash back and more.
  • Shop Anywhere: Use card or mobile wallet for purchases.
  • No Monthly Fee: No credit check required, start spending immediately.
  • Protected Purchases: Enjoy security with PayPal and Mastercard®.
  • Direct Deposit: Automate paycheck transfers for early access.
  • Add Money: Transfer funds from bank account or cash deposits.
  • Track Activity: Manage card and view transactions easily.
  • Secure Transactions: PayPal Purchase Protection and Mastercard® safety features.

Prepaid Mastercard

Monthly Fee


  • Prepaid Mastercard: Spend anywhere Debit Mastercard is accepted.
  • Easy Activation: Order online, receive card within 7-10 days.
  • Load Funds: Direct deposit, PayPal transfers, or reload locations.
  • Fast Access: Access funds up to 2 days faster.
  • Special Offers: Receive rewards and savings at qualifying stores.
  • Savings Account: Optional tiered-rate savings account available.
  • Refer-A-Friend Program: Both receive $20 credit.
  • Mobile Management: Check balance, review transactions, and more.



Simplifying Your Online Transactions: Concluding Your PayPal Account

As your financial landscape evolves or you explore alternative online payment solutions, PayPal offers a clear and efficient process to close your account. To ensure a smooth transition and avoid any outstanding charges, please visit this page.

Read More

Product FAQ

What exactly is PayPal, and how does it differ from traditional bank accounts?

While linked to your bank account or debit card for funding, PayPal isn’t a traditional bank itself. It functions more like a digital wallet:

  • Secure Payment Platform: Think of it as a secure online intermediary between you and the merchants you pay. You link your bank account or debit card to PayPal, but merchants never see your actual financial information.
  • Simplified Transactions: Instead of entering your bank details each time you shop online, you can simply use your PayPal login credentials for a faster and more streamlined checkout process.
  • Sending and Receiving Money: PayPal allows you to send and receive money from friends, family, or businesses quickly and easily, even if they don’t have a PayPal account themselves (restrictions may apply).

While not a replacement for a bank account, PayPal offers a convenient and secure way to manage online payments and transfers.

Are there any fees associated with using PayPal, and how much does it cost?

PayPal typically offers transparent fee structures, but it’s important to understand the different scenarios:

  • Free for Personal Transactions (mostly): Sending and receiving money between friends and family within the US is generally free, as long as funds come from your bank account balance or linked debit card.
  • Fees for Business Transactions: Selling goods or services online might incur transaction fees. These fees typically vary depending on the amount of the transaction and the type of account you hold (personal or business).
  • International Transactions: Sending or receiving money internationally might involve currency conversion fees. Always check the exchange rate and potential fees before initiating an international transaction.

Understanding the fee structure, especially for business transactions and international payments, is crucial when deciding if the convenience of PayPal outweighs the potential costs.

Is using PayPal safe and secure for my online transactions?

Security is a top priority for PayPal:

  • Data Encryption: PayPal utilizes data encryption technologies to safeguard your sensitive financial information.
  • Two-Factor Authentication: You can enable two-factor authentication for an extra layer of security, requiring a code from your phone in addition to your password when logging in or making transactions.
  • Dispute Resolution: PayPal offers buyer and seller protection programs to mediate disputes and potentially recover funds in case of unauthorized transactions or merchandise issues.

These measures help create a secure environment for your online transactions. However, it’s still recommended to be cautious when shopping online and only use reputable merchants.

Does PayPal offer any features beyond online payments and money transfers?

PayPal goes beyond basic transactions and offers additional features:

  • Bill Pay (limited availability): In some regions, you might be able to use PayPal to pay bills directly to certain service providers.
  • In-Store Payments: Some stores allow you to use your phone with the PayPal app to pay at checkout, eliminating the need for physical cards.
  • Investment Options (limited availability): In certain markets, PayPal might offer options to invest in cryptocurrencies or stocks directly through their platform.

Exploring these features can enhance your experience beyond just sending and receiving money. However, availability might vary depending on your location.

What happens if I have a dispute with a seller after making a purchase through PayPal?

PayPal offers dispute resolution tools to mediate disagreements between buyers and sellers:

  • Opening a Dispute: If you encounter issues with your purchase, such as not receiving the item or receiving a damaged product, you can open a dispute within your PayPal account.
  • Providing Evidence: Be prepared to submit relevant documentation like order confirmation emails or photos as evidence to support your claim.
  • Mediation Process: PayPal acts as a mediator, reviewing the evidence from both buyer and seller. They might attempt to facilitate communication between the parties to reach a resolution.
  • Escalation Options: If an agreement isn’t reached, you might be able to escalate the dispute for further review by PayPal’s specialists.

Understanding the dispute resolution process can empower you to handle potential issues with online purchases made through PayPal.

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