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Last checked 6 Nov 2026Vezmo vs PayPal: an alternative for invoices and card payments
PayPal's strength is its buyers: many of your customers already have an account. Its US fee page, updated 4 Nov 2026, charges you 2.99% + $0.49 when a client pays an invoice by card, 3.49% + $0.49 when they pay with PayPal, and a 3.00% spread to convert a payment. A $100 payment on a US-issued card costs $3.08 with Vezmo, with 1% to convert.
•••• 4242- Most of your clients pay invoices and payment links by card
- Clients abroad pay you by card, and you want +1% for a card from abroad instead of PayPal's +1.50%
- You want invoices, subscriptions, proposals and e-signatures in the account you get paid into
Choose PayPal if- Your customers expect to pay from a PayPal or Venmo balance
- Clients pay invoices under $1,000 from a US bank, where PayPal's 1% costs less
- The platforms you sell on pay you out to PayPal
At a glance
Vezmo and PayPal, side by side.
PayPal’s details are from its own website, checked 6 Nov 2026; each one links to its source. Things change, so check PayPal’s site before you decide.
| Feature | Vezmo | PayPal |
|---|---|---|
| Who can sign up | VezmoBusinesses, including freelancers, in the US, Mexico, Brazil, the Philippines, Kenya, Vietnam, the UAE, Singapore, Malaysia and more; checked when you apply | PayPalPersonal and business accounts; in some countries and regions, members can only send payments, not receive themSource |
| A client pays your invoice by card | Vezmo2.79% + $0.29 per card charge: $3.08 on $100. Optional fraud screening and approval optimization add-ons are extra | PayPal2.99% + $0.49 for card, Apple Pay and other wallets: $3.48 on $100Source |
| A client pays with PayPal or Venmo | VezmoNot offered: clients pay by card, ACH, Apple Pay or Google Pay | PayPal3.49% + $0.49 with PayPal Checkout or Venmo: $3.98 on $100Source |
| Cards issued outside the US | Vezmo+1% for cards issued outside the US | PayPal+1.50% on international invoice and checkout paymentsSource |
| Bank payments (ACH) | Vezmo0.9% + $1.00, capped at $10.00 | PayPal1%, capped at $10.00, when an invoice is paid by bankSource |
| Disputes | Vezmo$20.00 per dispute, win or lose; $15.00 to respond, returned if you win | PayPal$20.00 per chargeback; a $15.00 dispute fee on payments made through PayPal ($30.00 at high volume)Source |
| Getting your money | VezmoFree to your bank, when you choose | PayPalFree by standard transfer to a bank; instant transfer 1.50% (min $0.50)Source |
| Holds | VezmoWe or our partners may hold a payout or place a reserve, for example while we review an account or to cover disputes | PayPalPayPal's merchant guide says held funds are usually held for up to 21 daysSource |
| Stablecoin | VezmoUSDC on Base and Solana, kept in your own stablecoin wallet (early access) | PayPalUS merchants can accept PayPal USD (PYUSD) wherever PayPal checkout is availableSource |
| How your money is held | VezmoHeld by regulated partners & Bank; Vezmo itself is not a bank. Details | PayPalSee PayPal’s own disclosures on its website. |
In practice
What a client's payment costs you.
The same payments on both price lists, from each company's own US fee page.
Each bar uses only that company's published lines, checked 6 Nov 2026. Vezmo's are starting rates, confirmed when we approve your account.Every Vezmo fee
- Vezmo+1% international card$95.92fee $4.08
- Vezmo, ACH0.9% + $1.00$494.50fee $5.50
Where PayPal is better
What PayPal does well.
- Buyers who already use PayPalCustomers can pay from a PayPal or Venmo balance at checkout. Vezmo doesn't offer either.
- 1%Small bank paymentsOn invoices under $1,000 paid from a US bank, PayPal's 1% costs less than Vezmo's 0.9% + $1.00. From $1,000 up, both cost $10.
- Platform payoutsIf the platforms you sell on pay you out to PayPal, keeping an account there is simpler.
Who Vezmo is for
Where Vezmo fits.
- $3.08Card invoicesA $100 US card payment costs $3.08 with Vezmo, against $3.48 by card and $3.98 with PayPal Checkout on PayPal's US fee page.
- $4.08Clients abroadA $100 payment on a card issued outside the US costs $4.08 with Vezmo (+1%), against $4.98 by card on PayPal's US fee page (+1.50%).
- Get paid and run the businessInvoices, payment links, subscriptions, proposals and e-signatures, in the account you get paid into.
Switching
Moving to Vezmo, or using both.
- 1Open VezmoPayApply once. Your exact rate is confirmed in writing before you take your first payment.
- 2Send your next invoice from VezmoClients pay by card, ACH, Apple Pay or Google Pay, from the invoice or a payment link.
- 3Keep PayPal where it helpsLeave PayPal on for buyers who pay from a PayPal balance and for platforms that pay out there.
More options
Other PayPal alternatives.
- Best for: Receiving USD by bank transfer
Free to receive non-wire USD payments. You can hold money only where Wise lists your country: the Philippines yes, Mexico no.
- Best for: Marketplace income
Free into a local-currency receiving account, 1% (min $1) into one in another currency; $29.95 a year if you receive under $6,000.
- Best for: Freelancers paid by ACH
0.8% per ACH payment (min $2, max $10) and $20 per Fedwire; US accounts for employees and freelancers only.
- Best for: Selling in person
Card readers and a POS in 8 countries; online cards cost 3.3% + 30¢ on its US Free plan.
Is Vezmo cheaper than PayPal?
On card payments, yes, at the published rates. A $100 US card payment costs $3.08 with Vezmo, against $3.48 by card and $3.98 with PayPal Checkout on PayPal's US fee page, and $4.08 against $4.98 on a $100 card from abroad. PayPal costs less on invoices under $1,000 paid from a US bank. Vezmo's rates are starting rates, confirmed when we approve your account.
Can my clients still pay with PayPal?
Not through Vezmo. Vezmo invoices and payment links take cards, ACH, Apple Pay and Google Pay. If some customers only pay from a PayPal balance, keep PayPal for them.
Can Vezmo put a hold on my payouts, like PayPal?
Yes. To keep money safe, we or our partners may hold a payout or place a reserve, for example while we review an account, to cover disputes and refunds, or when activity looks unusual. PayPal's merchant guide says held funds are usually held for up to 21 days.
Can freelancers use Vezmo instead of PayPal?
Yes, as a sole trader, for the money you earn from your work. Which features you can use depends on where your business is registered, and we confirm it when you apply.
PayPal alternatives for freelancersIs Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Sources, checked 6 Nov 2026
- PayPal: Merchant fees (US, updated 4 Nov 2026)
- PayPal help: Why does my account have only send capabilities?
- PayPal: Why is your money on hold (merchant guide)
- PayPal: PayPal USD (PYUSD)
- Vezmo: VezmoPay pricing
- Wise help: Where do I need to live to hold money with Wise?
- Wise: Receive money pricing (US)
- Payoneer: Pricing (updated 1 Jan 2026)
- Grey help: Deposit fees (USD)
- Square: Pricing (US)
PayPal’s name and logo are trademarks of its owner. This page compares public information and isn’t endorsed by PayPal. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.