Invoice Simple & PayPal Logos

Joist Payments and PayPal

We’ve partnered with PayPal to help you get paid faster and easier. Joist Payments gives your customers flexible payment options like PayPal and PayPal Pay Later, and it’s easy to add to your existing checkout solution.

Flexible payment options with Pay Later

Your customers can pay in installments with Pay in 4 and Pay Monthly1 – while you get paid on-time and in full. At checkout, they will see a ‘Pay Later’ button that allows them to pay in short-term, interest-free payments at checkout with no additional cost to you.

More reasons to PayPal.


of customers feel more secure transacting with a merchant that accepts PayPal.2


more repeat customers.3

Take charge

Add all major debit and credit cards to your all-in-one solution. It’s easy to manage and we handle the processing. Your clients can pay by their preferred payment method: credit card, debit card and PayPal.

Collect payments on the spot

Customers can pay you while you’re still on-site. By using Joist Payments powered by PayPal you will get visibility into all of your online and offline payments in one place, including outstanding invoices and payment processing fees.

Simple setup and activation.

The first thing you’ll need to set up online payments is a business account with PayPal. You will not be able to set up online payments with a personal account. For more information on the differences between these two types of accounts, please consult this article.
Activate Payments
Login to your Joist account
Go to payments
Log in with your existing PayPal business account or create one

Designed with your business in mind

Payment Methods

  • Checkmark IconPayPal Checkout: PayPal, Pay Later, and more4
  • Checkmark IconCredit and debit card payments processed right on your site
  • Checkmark IconFunds credit immediately into your PayPal business account while payments process
  • Checkmark IconIt's easy to add and complements existing checkout solutions

Flexible Features

  • Checkmark IconSave customer billing and shipping info for fast, convenient checkout
  • Checkmark IconMobile-friendly so customers can easily shop on any device
  • Checkmark IconDrive authorization rates, reduce declines, and help capture every sale
  • Checkmark IconTrack all your transactions from one dashboard
  • Checkmark IconOptional Chargeback Protection to help reduce fraud-related costs5

Peace of Mind

  • Checkmark IconPayPal helps you handle the risk of fraudulent purchases
  • Checkmark IconAI-powered technology monitors all transactions
  • Checkmark IconPayPal Seller Protection on eligible transactions safeguards PayPal Checkout6
  • Checkmark IconPayPal solutions help you meet global compliance standards
  • Checkmark IconAdditional security offers insights with Fraud Protection on eligible transactions7

Pricing with no surprises

No monthly or setup fees. Only pay when you get paid.9

Domestic fees per transaction**

PayPal Payments10
3.49% + $0.49
** US domestic fees; fees vary by country and are subject to change.
PayPal Logo

PayPal is preferred, trusted, and familiar to customers8

20+ years of experience
200+ markets around the globe
100+ different currencies

1About Pay in 4: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. PayPal, Inc. is a GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee.

Pay Monthly is subject to consumer credit approval. Term lengths and fixed APR of 9.99-35.99% vary based on the customer’s creditworthiness. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee.

2An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39. (Among PayPal users, n=682)

3Nielson, Commissioned by PayPal, Nielsen Media Behavioural Panel of USA with SMB desktop purchases from 7,317 consumers who are PayPal users from April 2020 to March 2021.

4Venmo is available only in the US.

5Chargebacks that are not related to fraud or item not received (INR), such as broken item, significantly not as described (SNAD), refund not processed, and duplicate charge, are not protected by Chargeback Protection. Chargeback Protection is available for accounts enrolled in Advanced Credit and Debit Card Payments.

6Available for eligible transactions. Limits apply.

7Available on eligible purchases.

8Morning Consult – The 15 Most Trusted Brands Globally. March 2021. Morning Consult surveyed over 330,000 consumers across 10 international markets to provide a global view on the current
state of consumer trust across brands.

9Our standard rate pricing listed herein is for US transactions only in USD and is effective starting on August 2, 2021.

10PayPal Digital Payments include payment methods such as PayPal, Pay Later options including Pay in 4 and Pay Monthly, Venmo, Pay with Rewards, and Checkout with Crypto.