PayPal payment solutions

PayPal is a global leader in online payments and a fast and secure way for your customers to pay online. The selection of available PayPal solutions varies by merchant location. PayPal Express Checkout and PayPal Payments Standard can be used in all parts of the world. To learn more, see PayPal solutions by country.

PayPal business account

To offer PayPal as a payment method in your store, you must have a PayPal business account and/or a PayPal Payflow account. The account requirements are specified in the description of each PayPal solution. Your PayPal merchant account is also used to manage any fraud filters that are applied to purchases made from your store.

Customers who use PayPal Express Checkout or Express Checkout for Payflow Pro must have a PayPal buyer account. PayPal Payments Standard (Website Payments Standard in some countries) can be used directly or through a buyer account when that the merchant enables PayPal Account Optional. By default, this parameter is enabled so that customers can choose to enter their credit card information or create a buyer account with PayPal. When disabled, customers must first create a PayPal buyer account before making a purchase.

Website Payments Pro, Website Payments Pro Payflow Edition, Payflow Pro Gateway, and Payflow Link require customers to enter credit card information during checkout.

PayPal Credit and PayLater

PayPal PayLater offers your customers quick access to financing, so they can buy now and pay over time, at no additional cost to you. You are not charged when customers choose PayPal Credit options, and you pay only your normal PayPal transaction fee. To learn more, see the PayPal website.

Give your sales a boost when you advertise financing. PayPal helps turn browsers into buyers with financing with PayPal PayLater. Your customers can pay over time, while you get paid up front—at no additional cost to you. Use PayPal free banner ads to advertise PayPal financing as a payment option when your customers check out with PayPal. The PayPal Advertising Program has been shown to generate additional purchases and increase average purchase sizes by 15% or more.

You can easily add free, ready-made banner ads to pages of your site and the PayPal Credit button to your shopping cart during checkout to remind your customers that financing is readily available.

For US merchants, PayPal Credit is enabled by default for the PayPal Express Checkout payment option. To disable it for this payment method, see the Features section of PayPal Express Checkout configuration.

PayPal Credit is disabled by default for the other PayPal payment solutions, but can be enabled in the payment method configuration for supporting solutions:

Integrated PayPal solutions

With PayPal and Adobe Commerce, you can accept payments from all major debit and credit cards. PayPal offers additional convenience without extra effort, because even your customers who don’t have a PayPal account can pay for their purchases with PayPal.

PayPal Express Checkout

PayPal Express Checkout

PayPal All-in-one payment solutions

In the United States, PayPal offers the following PCI-compliant solutions to meet the needs of your growing business.

PayPal payment gateways

A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing. They work as intermediaries between customers and banks.

Payment gateways are available in online and offline environments. Payments can be accepted by phone, online, or through a mobile app. The transaction is sent to the service provider’s processing system and then sent to the customer’s bank for verification and confirmation. If verified, the merchant receives the payment without having direct contact with the customer’s bank account.

There are two types of payment gateways—direct and hosted.

The payment gateway provides security and protection for all parties involved in a transaction.

PayPal offers a choice of two payment gateway solutions for your business. You can let PayPal host your checkout on its secure payment site, or you can take control of the entire payment experience with a customizable solution.

PayPal fraud management filters

PayPal fraud management filters make it easier to detect and respond to fraudulent transactions, and can be configured to flag, hold for review, or deny riskier payments. Actions related to Commerce order status values changed according to the fraud filter settings:

PayPal solutions by country

Other countries

PayPal Express Checkout and PayPal Website Payments Standard are available in the following countries: