PayPal has the most complex fee structure on the market. Simeon reduces it to one number.

Between Goods & Services payments, PayPal Checkout, international surcharges, and currency conversion spread, PayPal stacks more fee variables than any other provider on this list. PayPal's dashboard never recalculates all of that into a single net rate.

What PayPal doesn't show you

• Goods & Services (US domestic): 2.99% + $0.49.

• PayPal Checkout / invoices: 3.49% + $0.49 — a higher rate than standard G&S, often confused by sellers.

• International: +1.5% cross-border surcharge, pushing the effective rate to 4.4–4.99% + fixed fee.

• Currency conversion: a 3–4% spread above mid-market — the highest of any provider on this list.

• These layers stack without ever appearing as one net rate in the PayPal dashboard.

Worked example

Domestic Checkout sale of $100: $100 × 3.49% + $0.49 = $3.98 in fees → net $96.02. Same sale, international customer with currency conversion: $100 × 3.49% + 1.5% + ~3.5% spread + $0.49 ≈ $8.98 in fees → net ~$91.

How it works

• Read-only PayPal OAuth connection.

• Transaction pull with domestic/international/conversion breakdown.

• Consolidated view alongside your other providers — since PayPal is often the most expensive provider in a multi-provider stack, Simeon flags it in AI insights when its share of total fees runs above average.