Already with PayPal Checkout?
Overview of PayPal Checkout
PayPal Checkout lets UK ecommerce businesses accept PayPal balance, cards and Pay in 3 through PayPal's hosted flow. Fees are typically higher than dedicated card acquirers, but PayPal often converts customers who wouldn't complete a card payment.
A review usually focuses on whether PayPal is genuinely additive to card processing, or whether volume has grown to a point where a dedicated Interchange Plus provider would be materially cheaper on the same transactions.
Common fees businesses should check
Percentage plus fixed fee per transaction for UK domestic sales.
Additional percentage on international transactions.
Applied on non-GBP transactions.
Fixed fee per raised chargeback outside seller protection.
Want us to check these fees on your PayPal statement?
Start free reviewContract terms and considerations
- No fixed-term contract - use is governed by PayPal's terms of service.
- Pricing tiers can be negotiated at higher volume.
Exit fees and early termination
- No termination fee - you can stop using PayPal at any time.
- Rolling reserves may apply to higher-risk accounts and are released on PayPal's own schedule.
We never guarantee to pay your exit fees or that you can be released from a contract. Any support with exit costs is dependent on selected alternative providers, is subject to approval and is only considered when switching makes clear financial sense.
Common reasons businesses request a review
- PayPal is a large share of turnover and the blended rate has never been benchmarked.
- You want to check whether Pay in 3 volume justifies the pricing.
- You are being held on a rolling reserve you don't fully understand.
Frequently asked questions
Will reviewing my PayPal statement contact PayPal?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave PayPal after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a PayPal statement review take?
Most reviews are returned within a few working days once we have a recent monthly statement.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any hidden extras specific to your account.
Get an independent view on your PayPal setup
We check your rates, contract terms, exit fees and whether more suitable provider options may exist. No obligation. No provider contacted without your permission.
Or submit the form and we'll email you for it.
Related providers
Stripe
A developer-focused online payments platform used by UK ecommerce businesses, SaaS companies and marketplaces.
Shopify Payments
Shopify's built-in online card processing service, powered by Stripe under the hood, integrated directly into Shopify stores.
Adyen
A global unified payments platform used by mid-market and enterprise UK merchants across online, in-store and unified commerce.
Related reading
Online Payment Processing: A UK Guide
How online card processing works in the UK, the main provider types, and how to keep costs low as you scale.
Rolling Reserves Explained
Why some providers hold back a percentage of your card takings, when it's justified, and how to reduce it.
How Card Payment Pricing Works in the UK
Blended, Interchange Plus, IC++ and pay-as-you-go pricing explained, with the trade-offs each model brings.