Your Numbers
15%
0.5%
Best for you
PayPal Friends & Family
Personal transfers only
Total Monthly Cost
Sorted by total cost. Lower is better.
👥
PayPal Friends & Family★ Cheapesthigh risk
Personal transfers only · payout Instant
$56
0.22% effective
🌍
Wise Businesslow risk
International / FX · payout 1 day
$539
2.15% effective
🧠
Braintreelow risk
High volume, marketplaces · payout 2-3 days
$583
2.33% effective
⬛
Squarelow risk
Retail, restaurants · payout 1-2 days
$758
3.03% effective
🅰️
Authorize.Netmedium risk
Mid-size merchants · payout 2-3 days
$831
3.33% effective
💳
Stripemedium risk
SaaS, e-commerce · payout 2 days
$892
3.57% effective
🛍️
Shopify Paymentslow risk
Shopify stores · payout 3-5 days
$892
3.57% effective
🟦
Amex Directlow risk
Amex-heavy businesses · payout 2-3 days
$953
3.81% effective
🅿️
PayPal G&Smedium risk
Consumer goods, eBay · payout 1-3 days
$1102
4.41% effective
💡 Save up to $1046/mo
Switching from PayPal G&S to PayPal Friends & Family saves you $12552 per year. For high volume, Braintree and Wise have the best effective rates.
Data Source & Legal Disclaimer
Effective: 2026 rates (verify before integrating)
Last updated: 1 years ago
Update frequency: Manual review
Payment processor rates are standard published rates as of 2026. Actual rates may vary based on volume, risk assessment, and negotiated agreements. International transaction fees and currency conversion fees not included. Always confirm current rates on the processor's website.