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Pavo vs PayPal
$35.30 against $44.93 in total fees on a $1,000 sale paid by pay link, cashed out in minutes. PayPal’s fee per sale is lower. Pavo costs less in total because cashing out costs $0.
Fees on a $1,000 sale
US rates, cashed out to the bank in minutes.
| App | Fee per sale | Cash out in minutes | Total fees |
|---|---|---|---|
| In person, by tap on iPhone | |||
| Pavo | $29.15 | $0.00 | $29.15 |
| PayPal | $22.99 | $14.66 | $37.65 |
| By pay link | |||
| Pavo | $35.30 | $0.00 | $35.30 |
| PayPal | $30.39 | $14.54 | $44.93 |
By tap you pay $8.50 less with Pavo. By pay link, $9.63 less.
PayPal’s fee per sale is lower than Pavo’s. Pavo costs less only in total, because Pavo charges $0 to cash out in minutes and PayPal charges 1.50%.
Waiting for a standard payout? PayPal costs less. Standard payouts have no fee with Pavo or PayPal, so on a $1,000 sale you pay $22.99 with PayPal and $29.15 with Pavo by tap, and $30.39 against $35.30 by pay link.
Instant cash out opens at your first sale. While you’re new it is capped: up to $100 a day until your first standard payout arrives, then up to $500 a day. Fine print
Common questions
Is Pavo cheaper than PayPal?
Only in total, when you cash out in minutes. Per sale, PayPal costs less: 2.29% + 9¢ per tap against Pavo’s 2.9% + 15¢. PayPal then charges 1.50% to cash out in minutes, and Pavo charges $0. On a $1,000 tap that is $37.65 in total with PayPal and $29.15 with Pavo.
When does PayPal cost less than Pavo?
When you wait for a standard payout. PayPal’s standard transfer to a bank has no fee, so on a $1,000 sale PayPal costs $22.99 by tap against Pavo’s $29.15, and $30.39 by pay link against $35.30.
Do I need a card reader?
No. With Pavo, the customer taps their card or phone on your iPhone with Tap to Pay. On any phone or computer you can send a pay link or show a QR code. There is nothing to buy.
How fast do I get my money?
In minutes, if you cash out. In the United States, Pavo’s instant cash out is open from your first sale: up to $100 a day until your first standard payout arrives, then up to $500 a day until you have 90 days of sales with no disputes or fraud flags. Standard payouts arrive on their own: about a week for your first, then two business days.
What does it cost to cash out?
$0 with Pavo, standard or in minutes. PayPal charges 1.50% of the amount, at least 50¢, to send money to a bank in minutes, taken after its processing fee. Standard transfers have no fee with either.
Is there a monthly fee?
No. Pavo is $0 a month, with no contract and no minimum. You pay only when a customer pays you.
Fine print
Comparison: what a seller pays on a $1,000 card sale, then cashing the rest out to a bank in minutes. Pavo today: 2.9% + 15¢ per tap with Tap to Pay on iPhone, 3.5% + 30¢ per pay link or QR code, no fee to cash out instantly. PayPal business account: 2.29% + 9¢ per card-present Point of Sale payment, 2.99% + 49¢ per payment link paid by card, and 1.50% per instant transfer to a bank, at least 50¢. PayPal’s instant fee is taken on what is left after the processing fee. PayPal’s standard transfer to a bank has no fee. When a customer scans a PayPal QR code, the seller pays the 2.29% + 9¢ rate; the table uses the payment-link rate. Published US rates, checked October 28, 2026. Square is a trademark of Block, Inc. PayPal is a trademark of PayPal, Inc. Pavo is not affiliated with either.
For US sellers, Pavo’s instant cash out is open from your first sale. It sends $10 or more to an eligible bank or debit card, up to 3 times in 24 hours: up to $100 a day until your first standard payout arrives, then up to $500 a day until you have 90 days of sales with no disputes or fraud flags. Standard payouts have no fee either: about a week for your first payout, then two business days in the United States.
See also Pavo vs Square and all of Pavo’s fees.