# PayPal vs Revolut Business

Source: https://nachonacho.com/compare/paypal-vs-revolut-business

Choose PayPal if your main job is accepting customer payments at checkout; choose Revolut Business if your main job is managing company money, international transfers, and team spending. PayPal publishes US checkout pricing and payment options, while Revolut Business publishes US plans built around multi-currency accounts, transfers, and corporate cards. Revolut’s help center also identifies US operations as an example of a region it does not yet support for Merchant accounts, so US businesses should not assume its card-acceptance tools are available to them.

## At a glance

| | PayPal | Revolut Business |
| --- | --- | --- |
| Primary workflow | Customer checkout and payment acceptance | Multi-currency accounts and company spending |
| US merchant card acceptance | Online and in-person card payments | US operations cited as unsupported for Merchant accounts |
| Business account price | Free account; no monthly PayPal Checkout fee | Basic from $10/month; Enterprise custom |
| Published US checkout rate | PayPal Checkout cards: 2.99% + $0.49 | Not published for US Merchant accounts |
| Plans | PayPal Checkout; Expanded Checkout | Basic; Grow; Scale; Enterprise |
| International money management | International payments and currency conversion | Send and receive 25+ currencies |
| Transfer allowances | Not published | Basic: 10 no-fee local transfers/month |
| Team spending | Not published | Corporate cards and expense management |
| Integrations | Ecommerce partners; REST APIs; JavaScript SDK | Accounting and HR apps; API on Grow and above |
| Access and deployment | Web checkout; business app; POS app | Web and mobile apps |
| Support | Published checkout sales phone number | 24/7 support chat on all plans |
| Published card limits | Not published | Up to 3 physical cards per team member |

## Which to choose

### Choose PayPal if

- US businesses taking online card and wallet payments
- Stores offering PayPal, Venmo, or Pay Later at checkout
- Sellers needing hosted checkout or a customizable embedded checkout
- Businesses sending invoices or accepting in-person payments

### Choose Revolut Business if

- US companies holding and sending multiple currencies
- Teams issuing physical or virtual corporate cards
- Businesses managing expenses and employee spending
- Companies making frequent local or international transfers

## Verdict

Pick PayPal when the deciding factor is a US customer checkout with cards, PayPal, Venmo, or Pay Later. Pick Revolut Business when it is multi-currency money management, supplier transfers, corporate cards, or employee spending controls. Both have integrations and business tools, but they address different primary workflows; confirm Merchant account eligibility before planning to use Revolut Business for US card acceptance.

## Questions

### Which should a US business use to accept online card payments?

PayPal publishes US online card checkout options and rates. Revolut Business identifies US operations as an example of a region it does not yet support for Merchant accounts, so a US business should verify eligibility rather than relying on Revolut’s payment-acceptance offerings in other markets.

### How much does PayPal cost compared with Revolut Business?

A PayPal business account and PayPal Checkout have no monthly fee; PayPal lists domestic PayPal Checkout card payments at 2.99% plus $0.49 per transaction and PayPal or Venmo payments at 3.49% plus $0.49. Revolut Business lists US plans starting at $10 per month for Basic, $40 for Grow, and $140 for Scale, with custom Enterprise pricing. Other transaction fees can apply.

### Is Revolut Business a bank account?

Revolut says it is not a bank in the United States and that banking services are provided by Lead Bank, Member FDIC. Its Business product provides multi-currency accounts and US local account details for eligible customers.

### Which is more suitable for paying international suppliers?

Revolut Business publishes multi-currency accounts, international transfers, and plan-based transfer and exchange allowances. PayPal publishes international payment services, but the products’ stated primary workflows differ: Revolut Business centers on managing company money, while PayPal emphasizes accepting customer payments.

### Can either product help manage employee spending?

Revolut Business publishes physical and virtual corporate cards, card controls, and expense management across its US plans. PayPal’s checkout materials do not publish a comparable team-card allowance.

### Do they connect to other business software?

Yes. PayPal publishes ecommerce partner integrations and checkout developer tools. Revolut Business publishes accounting and HR integrations, including QuickBooks and Xero; its Business API is available on Grow, Scale, and Enterprise plans. Integration availability may vary by region and plan.

### Can customers pay without a PayPal account?

Yes. PayPal says customers can use a credit or debit card through guest checkout without creating or signing in to a PayPal account.

### Does Revolut Business charge extra after transfer or exchange allowances?

Yes. Revolut Business lists a $0.20 fee for local transfers and a $5 fee for international transfers beyond monthly plan allowances, with additional terms for certain SWIFT transfers. It lists a 0.6% fee on exchange beyond the monthly allowance and a 1% fee outside market hours.

## Product pages

- PayPal: https://nachonacho.com/product/PayPal
- Revolut Business: https://nachonacho.com/product/revolut-for-business