PayPal charges roughly 2.9%–3.49% + 49¢ every time you get paid for goods and services. AxeFee lets customers pay by Zelle for $0, sends clean invoices and receipts, and you keep 100% of every dollar.
Get paid and invoice like a pro — without a cut of every sale.
| PayPal | AxeFee | |
|---|---|---|
| Fee per payment | ~2.9%–3.49% + 49¢ for goods & services | $0 on Zelle — keep 100% |
| Monthly cost | No base fee, but every sale is taxed | Free Starter · $29/mo Business — flat |
| Payout speed | Funds sit in a PayPal balance until you transfer | Zelle lands in your own bank in minutes |
| Holds & reserves | Known for holding funds on newer accounts | AxeFee never holds your money |
| Invoices | Yes — with a fee on payment | Yes — invoices, estimates, reminders, $0 fee |
| Cards | Yes (fee applies) | Yes — your own Stripe, fee optional to the buyer |
Invoices, checkout, receipts, and a customer list, all fee-free on Zelle.
Send a professional invoice or quote; customers pay by Zelle or card.
Payments match themselves to the right order — no manual checking.
Great for nonprofits: donation pages, optional tips, employer matching.
Every payer is saved so you can email announcements later.
A shareable link + QR for your business, included.
Money goes straight to your bank — nothing parked in a wallet.
With Zelle there’s no wallet to transfer out of and no percentage skimmed off the top. Keep cards available through your own Stripe for the buyers who prefer them.
Get started freeNo percentage fees on any plan. You keep 100% of what you collect.
Yes — invoices, recurring invoices, and estimates are built in, with automatic reminders. Customers pay by Zelle (free) or card, and the payment reconciles itself.
Zelle is a direct bank transfer between people who know each other, best for invoices, events, dues, and services. For higher-risk card sales you can enable cards through your own Stripe, which carries its own protections.
Every order gets its own reference, and AxeFee automatically matches each incoming Zelle payment to the right order and marks it paid — so you stop reconciling by hand. There’s a quick one-time connection during setup, and after that it just runs.
Correct — $0 on Zelle across every plan. The free Starter plan covers 25 payments a month; Business is a flat $29/mo, billed after the month, never a cut of your sales.
Collect your next payment with no percentage fee.