PayPal Checkout
PayPal Checkout is an online payment gateway. The published rate, settlement and contract terms are in the commercial profile below.
Commercial profile
- Headline rate
- 2.9% + 30p (UK commercial transactions)
- Settlement
- PayPal account, 1-3 day to bank
- Contract
- No contract
- Channels
- Online payments
- Tier
- Online payment gateway
Rate source: PayPal UK business fees, checked 23 September 2026. Published rates change, so confirm with PayPal Checkout before you sign.
Editorial notes
Offers PayPal Pay in 3 at checkout. Widely recognised by UK shoppers, which can help conversion on smaller or newer shops.
More from the index
Compare against the full Card Acquirer Index or check the head-to-head matchups.
Official site: PayPal Checkout
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last updated:
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.