Fees differ across PayPal payment products and payment methods; do not apply one published rate to every transaction.
Read the qualificationKADEPAY COMPARES / Payments & billing
PayPal costs vs KadePay: plans, fees and usage
Understand PayPal pricing before comparing it with KadePay. Separate the software plan, processing costs and usage charges, then calculate a scenario from your own quotes.
How PayPal prices the reviewed offering
PayPal's US merchant fees depend on how a payment is accepted and which payment product is used. Compare the actual checkout mix with an invoice sample; a single headline rate will not represent all transactions.
Pricing model: Product-specific transaction pricing
Check current pricing- Checkout product and payment method
- Domestic versus international transactions
- Currency conversion where applicable
- Recurring-payment implementation and associated product fees
Build a like-for-like quote
For independent consultants and service merchants who need recognizable online checkout, invoices and recurring collections, a useful budget follows the work you actually perform. Ask each provider to price the same staff count, payment channel and required customer tasks. Include the integrations needed for the complete setup, and keep one-time migration work separate from recurring monthly charges.
- Do clients specifically request PayPal checkout, or primarily need a clear invoice and card payment?
- Where will signed intake, appointment decisions and ongoing customer notes live?
- Does the retainer need only recurring collection, or also a separate balance of redeemable sessions?
Put the KadePay side in the same budget
Choose the applicable KadePay plan and read the complete pricing table. Distinguish terminal and manually entered card rates, appointment usage, session or ticket charges and optional payment methods. Recurring billing and multiple users depend on the plan. Do not compare a card-present rate on one side with an online or manual-entry rate on the other.
If PayPal connects to a separate processor, include that processor in its budget. If KadePay uses a processor for your payment setup, include the applicable full payment charges and avoid counting the same charge twice. A software subscription and a transaction processing charge describe different costs.
Read complete KadePay pricing and usage rulesYour monthly cost worksheet
Compare your own quotes
Enter current quotes for the same payment channel, country and card mix. The example volume is editable; fee fields are deliberately blank. For interchange-plus pricing, use a blended effective rate including interchange, not only the processor markup.
Enter both sets of rates to calculate.
A simple flat-rate worksheet, not an official quote. Excludes taxes, hardware purchases, refunds, disputes, cross-border/currency charges and tiered rate calculations. Add relevant software and usage charges yourself; different fee bases need a separate calculation. Your inputs stay in this page and are not saved.
Before you accept a quote
Subscription collection is documented, but it is not evidence of a service-session redemption ledger.
Read the qualificationMoving an existing billing relationship requires a migration review; do not assume saved payment agreements transfer to another provider.
Read the qualificationConfirm the renewal period, location or staff limits, optional add-ons and any migration work. Ask the provider to demonstrate the exact workflow in your quote. An advertised starting price is not a promise that every feature or every payment method is included.
Questions before you choose
Is PayPal cheaper than KadePay?
That depends on the plan, processing contract, payment channel, volume and usage. PayPal's US merchant fees depend on how a payment is accepted and which payment product is used. Compare the actual checkout mix with an invoice sample; a single headline rate will not represent all transactions.
Does the worksheet use official PayPal rates?
No. Enter your current quotes or statement-derived rates. The worksheet shows a simple monthly scenario and excludes charges listed below the form.
DOCUMENTATION CHECKED NOVEMBER 2, 2026
Sources and review scope
Reviewed product: US PayPal Business Payment Links, Invoicing, Checkout and recurring payments; not every PayPal-owned product.. This comparison is published by KadePay and uses official product, pricing and help documentation. It is not an independent review or a hands-on performance benchmark. Features, country availability and plans can change; verify your required workflow before purchase.
- PayPal Payment Links
No-code links, QR checkout and supported payment options.
- PayPal recurring payments
Billing intervals, subscription management and recovery controls.
- PayPal US merchant fees
Product-specific and international fee structure.
- PayPal Invoicing
Invoice customization, sending and collection workflow.
KadePay references: product capabilities, plans and complete fees, appointment request rules and forms and signatures. Competitor names identify the products discussed; no affiliation or endorsement is implied.
See the workflow before you decide.
Explore KadePay's tools, check the pricing and find the setup that fits your business.