Venmo Fees and PayPal Fees (2025)

Venmo and PayPal are two popular platforms for both merchants and individuals. Each offers mobile payment system, making it easy to send money from anywhere.

Whether you’re using Venmo or PayPal payments for personal use or for your business, there are some new fee changes that you must be aware of.

New Venmo Fees (2025)

Venmo is increasing instant transfer fees for both Venmo Consumer accounts and Venmo Business Profile accounts:

• Instant Transfers – 1.75% per transaction ($0.25 minimum and $25 maximum)
• Sending Money With a Credit Card – 3%
• Seller Transaction Fees to Receive Money – 1.9% + $0.10
• Standard Electronic Withdrawal – $0
• Instant Electronic Withdrawal – 1.75% (minimum $0.25 and maximum $25)
• In-Network ATM Fee – $0
• Out-of-Network ATM Fee – $2.50
• Adding Money Using Cash Check Feature  – 1% (minimum $5) for government or payroll checks and 5% (minimum $5) for all other checks

There are no fees for using Venmo to send money using a debit card, bank balance, or Venmo balance.

Does Venmo Charge a Fee?

Sellers with a Venmo Business Profile using Venmo to accept customer payments are charged a fee of 1.9% + $0.10 per transaction. There are no setup fees and no monthly fees charged to Venmo Business accounts. 

Users making payments to a Venmo Business profile via credit card are except from the standard 3% credit card fee (that’s normally applied when users send money on Venmo with a credit card).

PayPal Merchant Fees (2025)

Here are the latest PayPal merchant fees, as of July 24, 2023:

• PayPal Checkout – 3.49% + $0.49 per transaction
• PayPal Guest Checkout – 3.49% + $0.49 per transaction
• QR Code Transaction ($10 or less) – 2.40% + $0.05
• QR Code Transaction ($10.01 or more) – $1.90% + $0.10
• QR Code Transactions via Third-Party Integration – 2.29% + $0.09
• Pay with Venmo – 3.49% + $0.49
• Send/Receive Funds for Goods/Services – 2.99%
• Standard Credit Card Payments – 2.99% + $0.10
• Standard Debit Card Payments – 2.99% + $0.10
• Receiving Domestic Charity Transactions – 1.99% + $0.49
• All Other Commercial Transactions – 3.49% + $0.49

The rates above are for US-based merchants getting paid in USD. International commercial transactions will incur an additional 1.50% fee. The fixed fee also varies for different currencies, and you can refer to this table from PayPal for specific rates. 

Other PayPal Fees and Updates

PayPal is increased transfer fees for both business and consumer accounts on 6/17/2022.

• PayPal Business Account instant transfer rate is changing to 1.5% per transfer with a $0.50 minimum fee and no maximum per transaction (up from 1.5% with a $0.25 minimum and $15 max).
• PayPal Consumer Account instant transfers are increasing from 1.75% per transfer to a linked bank account with a $0.25 minimum and $25 max (up from 1.5% with a $0.25 minimum and $15 max).

About Venmo and PayPal

PayPal is an industry leader in the online payments space and P2P money transfers. The platform facilitates more than 40,000+ transactions per minute, for a total of $1.25 trillion in payment volume per year.

There are more than 426 million active consumer and business accounts associated with PayPal.

Venmo was originally founded in 2009, and was acquired by PayPal in 2012. Today, Venmo is trusted by 60+ million users worldwide. What initially started as a mobile solution for fast money transfers between friends and family has evolved into a merchant solution in recent years. 

Today, businesses can collect payments from customers with a Venmo account.

Both platforms offer a wide array of solutions for consumers and merchants alike. Consumers can use the PayPal Cash Card and Venmo Debit Card to make payments with a PayPal or Venmo balance.

Venmo users can transfer money to other Venmo accounts from a bank account or Venmo balance. Transferring money from a checking account is equally simple with PayPal.

You can read our complete guide to interchange fees and rates here.