Let's Find The Right Credit Card Processing Service For You
PayPal Payments Pro Compare Quotes

Pros / There's no gateway setup fee to accept credit cards online through PayPal Payments Pro.

Cons / Account approval can take up to 72 hours.

 Verdict / PayPal Payments Pro has an average flat rate but takes longer to set up an account than many of its competitors.

PayPal Payments Pro allows you to accept credit cards online using PayPal's payment technology. In addition to online credit card processing, PayPal also has options for mobile and retail credit card processing. PayPal offers two plans for online credit card processing: Payments Pro and Payments Standard. We reviewed Payments Pro. Although Payments Standard has the same pricing but no monthly fee, it takes customers through PayPal's checkout rather than integrating with your website.

PayPal Payments Pro processes all transactions with a single flat rate of 2.90 percent along with a $0.30 per-transaction fee. The per-transaction fee is average, but is a better fit for companies with large tickets, because if you have small tickets, this fee can add up quickly. A flat rate is good because it applies to all card types, regardless of whether they are debit, credit, corporate or rewards. This rate was average compared to the online credit card processing companies on our lineup that use this pricing model.

The monthly fee of $30 is more expensive than most, but it includes the monthly gateway fee. There are no setup fees, PCI-related fees or monthly minimum processing requirements.

PayPal received a maximum score on its transparency and consistency. Information about its pricing, fees and contract terms are clearly posted on its website. This information was verified by our reviewers when we contacted PayPal directly.

PayPal Payments Pro comes up short in its setup and account clearing speeds. It can take up to three days to get your account set up. Most online credit card processing companies can set up an account in two days; the best processors offer same-day setup. Once you begin accepting credit cards online, it can take an average of three days for your funds to clear the account and be deposited into your bank account. However, your funds can be deposited into your PayPal account instantaneously.

There's no long-term contract with PayPal Payments Pro; your service operates on a month-to-month basis. There's no cancellation fee if you move on to another service.

PayPal's customer service reps were helpful and willing to provide us with information about rates and implementation. You need to have an account in order to send emails to customer service, which factored into its 80 percent customer service score. PayPal also doesn't have 24/7 phone support, live chat nor does it offer its merchants a dedicated account rep.


PayPal Payments Pro allows you to use PayPal's considerable resources to accept credit cards online. It charges a single flat rate for each transaction, has a single monthly fee and doesn't require you to sign a lengthy contract. However, it takes longer than other online credit card processing companies to get your account set up.

PayPal Payments Pro Compare Quotes