CAFree statement review
Home / Compare / AllProPay vs PayPal
AllProPay
vs
PayPal

AllProPay vs PayPal

An honest, side-by-side look using each provider's publicly published pricing. PayPal is excellent at what it is built for. Here is where each one fits, and what you actually pay.

Apply now Compare on your numbers, free

Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs PayPal, based on publicly published standard pricing as of June 2026.
 AllProPayPayPal
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your numbers with you.Flat rate. One blended price for each way of paying.
Published online rateBased on your volume and card mix. We show you the number.2.99% + 49¢ per card payment online, on invoices and payment links.
PayPal button and other ratesSet by the program that fits your business, and itemized.3.49% + 49¢ when the customer pays with PayPal or Venmo; 3.49% + 9¢ keyed; 2.29% + 9¢ in person through PayPal POS.
Can you see your true cost?Yes. Every fee is itemized.No. The underlying interchange is bundled into the flat rate.
Contracts or cancellation feesNone.None. No monthly fee.
Free review of your current feesYes, no obligation.Not offered.
SupportA dedicated real person as you grow.Mainly self-serve, with online help and support channels.
Best forOwner-operated businesses taking payments in person and online.Small or casual sellers, and businesses already on PayPal online.
SetupWe set it up and help you switch with no downtime.Simple, self-serve, and a widely recognized brand.

When PayPal is the right call

PayPal is genuinely strong if you’re a small or casual seller, or a business that already runs on PayPal online and wants a simple, recognizable option. There is no monthly fee, setup is self-serve, and buyers everywhere trust the PayPal button. If that fits how you sell, PayPal may be the right choice, and we’ll tell you so.

Where AllProPay fits better

PayPal’s everyday rates, 2.99% + 49 cents on cards online and 3.49% + 49 cents through the PayPal button, are among the higher published flat rates, and the 49-cent fee adds up on smaller sales. With Dual Pricing, customers who choose to pay by card cover the card fee, so your card processing fees drop to $0. If you would rather keep one price for everyone, interchange-plus shows the real cost of each card, so a debit card costs far less than a premium rewards card. You also get a dedicated real person as you grow, and a free comparison on your own numbers.

One $100 online payment by debit card, two receipts: $3.48 with PayPal's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 online payment by debit card, headed by the comparison $3.48 vs $0.77. PayPal's published online card rate of 2.99% plus 49 cents gives a $3.48 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, paid online; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. PayPal 2.99% + 49¢ $3.48 2.99% of $100 is $2.99, plus 49¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 PAYMENT Same online payment, same everyday debit card. Two ways to price it. vs Fee on the same $100 payment Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published online card rate Sale $100.00 Card Debit, online Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, online) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than PayPal?
Yes. With Dual Pricing, customers who choose to pay by card cover the card fee, so your card processing fees drop to $0. PayPal charges 2.99% + 49 cents on card payments online and on invoices, and 3.49% + 49 cents when the customer pays with PayPal, more than $149 a month on $5,000 in online card payments, and both rates blend the underlying interchange, so you can’t see what you actually pay. If you would rather keep one price for everyone, interchange-plus prices cheap cards cheaply and shows you every number. PayPal publishes its rates, so you don’t need to send a statement: tell us your monthly card volume and average sale, or send a sales report from your PayPal dashboard, and we’ll show you the difference on your own numbers.
What does PayPal charge per payment?
On its published pricing, PayPal charges 2.99% + 49 cents for card payments online, including invoices and payment links, and 3.49% + 49 cents when the customer pays with PayPal or Venmo. Keyed entries are 3.49% + 9 cents, and in-person payments through PayPal Point of Sale are 2.29% + 9 cents. There is no monthly fee or contract. Those are blended flat rates, so verify current pricing on PayPal's site.
Do AllProPay or PayPal lock you into a contract?
Neither uses a long-term contract or a cancellation fee. The difference is transparency and support: AllProPay shows every fee and what it’s for, and gives you a dedicated real person as you grow, while PayPal is built for simple, self-serve selling.

See the difference on your numbers

PayPal publishes its rates, so you don’t need a statement. Two numbers show you what you pay PayPal today. Want it in writing? Leave your details and we’ll send you the full side by side.

No statement neededPayPal publishes its rates. Your monthly card sales and average sale are enough to start.
What you pay PayPal todayWorked out from PayPal’s published rate, live as you type.
What you’d pay with usWith Dual Pricing, card processing fees drop to $0. We go over your setup with you on the call. Prefer one price for everyone? We price interchange-plus too.
In writing, from a personWe email you the full side by side. No cost, no obligation.
Apply now Call 332-301-5064