Product overview — Payments & Billing APIs
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PayPal
PayPal Commerce Platform provides merchant APIs to accept PayPal, cards, and digital wallets. Leverages PayPal's consumer brand trust with 430M+ active accounts for higher checkout conversion rates.
Sources linked — see verification below.
Freshness & verification
Who is this best for?
This is the fastest way to decide whether PayPal is in the right neighborhood.
Best for
- E-commerce businesses where PayPal button increases conversion significantly
- Merchants selling to consumers who strongly prefer PayPal checkout
- Small businesses prioritizing brand trust over API flexibility
- International sellers where PayPal's consumer familiarity offsets 3.9% fees
- Businesses wanting built-in financing (PayPal Credit) without third-party integration
- Merchants needing quick setup without technical resources (15-minute integration)
Who should avoid
- Developer-first teams wanting modern API experience (use Stripe or Checkout.com)
- SaaS businesses needing advanced subscription billing features
- High-volume merchants seeking interchange-plus pricing (use Adyen or Checkout.com)
- Platforms building embedded payments (use Stripe Connect or Finix)
- Businesses with frequent chargebacks or high-risk categories (account holds common)
- Need predictable cash flow - PayPal reserves can freeze working capital unexpectedly
Sources & verification
Pricing and behavioral information comes from public documentation and structured research. When information is incomplete or volatile, we prefer to say so rather than guess.