A PayPal Business or Premier account will let you accept credit card payments while avoiding the high costs of a traditional merchant account.

Typical Merchant Account PayPal Delivery, setup, software, and application fees $100.00 USD-$300.00 USD Free Monthly fees $50.00 USD-$90.00 USD Free Gateway fees $20.00 USD-$35.00 USD per month + $0.10 USD-$0.20 USD per transaction Free Transaction discount rate 1.9%-3.5% + $0.15 USD-$0.50 USD Chargeback protection Exposed to all chargebacks PayPal's Seller Protection Policy Monthly reporting $10.00 USD Free Availability/Contracts Lengthy application process, minimum 6 month contract Instant availability, no minimum commitment

Does not apply to Website Payments Pro or Virtual Terminal.