PayPal • In-Person
How to Use PayPal QR Codes for In-Person Sales at 1.90% (Slashing POS Costs)
📌 Key Takeaways & Executive Summary
- PayPal QR code transactions over $10.00 carry a fee of just 1.90% + $0.10.
- Transactions $10.00 and under carry a rate of 2.40% + $0.05.
- Compared to Square POS (2.6% + 10¢), PayPal QR codes save $7.00 per $1,000 in gross in-person sales.
- No hardware purchase is required: customers scan a printed QR code with their mobile smartphone camera.
For merchants selling goods in person at artisan markets, trade conferences, pop-up boutiques, or food trucks, credit card hardware like Square terminals often feels mandatory. However, PayPal QR Code payments offer one of the lowest in-person processing rates in the United States: 1.90% + $0.10 for orders above $10.00.
QR Code Pricing Tiers
- Transactions above $10.00: 1.90% + $0.10
- Transactions $10.00 and under: 2.40% + $0.05
| Payment Processor / Method | Rate Structure | Fee on $45.00 Sale | Fee on $150.00 Sale |
|---|---|---|---|
| PayPal QR Code (> $10) | 1.90% + $0.10 | $0.96 | $2.95 |
| Square Contactless / Tap | 2.60% + $0.10 | $1.27 | $4.00 |
| Stripe Terminal (In-Person) | 2.70% + $0.05 | $1.27 | $4.10 |
| Square Keyed-In Manual Entry | 3.50% + $0.15 | $1.73 | $5.40 |
Compare QR Code Fees Against In-Person Square Rates
Test how much you save on popup sales by comparing PayPal QR rates with Square POS.
📚 Official Sources & Documentation