Maria Adams, Credit Cards Moderator
@m_adams
Yes, PayPal does accept American Express credit cards and debit cards, along with credit cards on the other major card networks (Mastercard, Visa, etc). Additionally, customers are not charged any fees when using a credit or debit card to make a purchase through PayPal.
Merchants who accept card payments through PayPal will pay a fee of 2.99% plus $0.49 (for U.S. dollars) per transaction, however. The merchant fee for accepting an American Express card through PayPal is the same as the fee for accepting cards from any other network.
A Guide to PayPal Fees for American Express Users
- If you choose to send money to friends and family through PayPal with an American Express card (or any other credit card), you will incur a 2.9% transaction fee, plus a $0.30 flat fee (for U.S. dollars).
- If you use an Amex Send Account, there is no fee (for U.S. recipients only). Enrollment is required.
- If it’s not necessary for you to pay by card, you can fund the transaction with your PayPal Cash balance or a bank account linked to PayPal and avoid any fees.
Fees will also vary depending on the type of transaction (e.g.: consumer, commercial, domestic, international, donations, etc.). For a full breakdown of fees, you can check out PayPal’s dedicated web pages for both merchant and consumer fees.

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