Why do the card processing prices differ between PayPal Checkout and Expanded Checkout?

With PayPal Checkout, you pay a little more than you would for Expanded Checkout because we manage the checkout experience. That means you don't need to worry about handling unauthorised transactions and chargebacks or compliance reporting. We'll take care of that. With Expanded Checkout, you pay a lower fee since you’re managing checkout and handle refunds and chargebacks for any unauthorised transactions. You'll also be responsible for compliance reporting.

What is a payment API?

A payment API helps apps and websites accept payments by making sure that all aspects of checkout, from card processing to the eCommerce platform, communicate with each other. In short, they're what makes a smooth checkout experience possible.

Are you PCI compliant?

We are fully PCI compliant, so the processing, storing, and transmitting of card data for your transactions will meet the PCI compliance standards. We also offer optional services that can help further reduce the compliance burden for your business.

Online checkout

A checkout built for growth

Offer millions of customers in 200+ markets the checkout stack that features their favourite ways to pay.

Get in touch, 0203 467 8314.

Person holding mobile phone showing checkout screen with payment options including debit/credit card, PayPal, Pay Later, and Apple Pay

62 %

average increase in checkout conversion for businesses that use PayPal¹

45 %

more repeat buyers for businesses that offer PayPal at checkout¹

72 %

of PayPal users prefer to pay with PayPal when it’s available¹

Simple. Secure. Flexible.

PayPal Checkout Expanded Checkout

Simplify setup. Simplify compliance. Get back to your business.

Get started fast with our basic integration

Accept PayPal payments with a secure checkout experience that you can upgrade at any time. There’s less coding. Fast setup.

Don’t want to code? Connect our checkout solution to a partner ecommerce platform.

Simple customisation

Less coding for fast and simple setup. Customise the colour and shape of your payment buttons to fit your brand.

Built-in risk management

PayPal simplifies your backend by managing payments. Included Seller Protection² can help reduce the impact of financial losses on eligible transactions.

More customisation. More payment methods. More control.

Accept more cards and payment methods

Accept PayPal payments, a wide selection of debit and credit cards, and alternative payment methods like Apple Pay^® and Google Pay^TM. Accelerate checkout by saving customer cards or using Fastlane by PayPal.

Expand your reach around the world

Accept payments from over 200 markets supporting 140 different currencies.

Enhanced customisation

Tailor your checkout flow to fit your brand. Match the look and feel of your website with more control.

Control your risk management

Opt for Chargeback Protection³ and Fraud Protection⁴ to help reduce losses due to fraud and more on eligible purchases. We'll provide security insights to help you navigate global compliance standards.

Their code. Your code. Or no code.

We’ve got three easy ways to integrate.

Connect your store and start selling

Leave the coding to your eCommerce platform. So your business never misses a beat.

Explore Integrations

More coding, highly custom

Your developer can use our RESTAPIs and JavaScript SDK to customise our checkout solution for however you do business.

Explore Developer Docs

No code, fast setup

Easily create a link, button, or QR code for a product or service. Then, just copy, paste, and get paid.

Explore Payment Links

Checkout tools that work for you

Reduce login friction

Give your customers an easy login and a fast, better checkout with our new app switch and passkey features.

“For any business that wants to acquire customers effectively and efficiently, PayPal is a great way to do it.”

— Chris Conway, eCommerce Director, Co-op

Read the Case Study

These results may not be typical and may vary substantially by business.

Compare your checkout options

Compare your checkout options
Features	PayPal Checkout	Expanded Checkout
Payment methods	PayPal Payments (PayPal, Pay Later⁵, and more) Major credit and debit cards	PayPal Payments Most credit and debit cards Apple Pay^®, Google Pay^TM, and more alternative payment methods
Card processing	PayPal appears on the card statement	Your business appears on the card statement
Checkout customisation	Select preset colors and styles	Complete control (with help from your developer)
Guest checkout	Credit card entry	Fastlane by PayPal
Risk	Supported by PayPal	Self-managed with optional add-ons
Seller Protection on eligible PayPal transactions²
Chargeback Protection on eligible PayPal transactions³		Optional add-on
Fraud Protection on eligible PayPal transactions⁴
Customer authentication through 3D Secure		Option to choose between the Standard Checkout offering or ‘3DS always on.’ With this option, all transactions will run through 3DS.
Dispute management
Fraud Protection Advanced on eligible PayPal transactions⁵		Optional add-on
Application process
Developer support
PayPal Business account	Free to sign up	Free to sign up
PayPal
Pay Later
Credit and debit card payments
Apple Pay and alternative payment methods
Interchange pricing (IC++)⁶