PayPal Merchant Fees

When you sell with us, you can get some of the most competitive rates in the business.


Last Updated: 5, November 2020

You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. You can also view these changes by clicking ‘Legal’ at the bottom of any web-page and then selecting ‘Policy Updates’.

Domestic: A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents of the same country/territory.


International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different countries/territories. Certain countries are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Country/Territory Grouping Table.

Country Code Table: We may refer to two-letter country/territory codes throughout our fee pages. For a complete listing of PayPal country codes, please access our Country Code Table.

Relevant Countries/
Territories

Rates published below apply to PayPal accounts of residents of the following countries/territories:

Countries/Territories list

Canada (CA)

Back to top

Commercial Transaction Rates

When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, send or receive a charity donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

Standard rate for receiving domestic transactions

Transaction TypeRate
Commercial Transactions2.90% + fixed fee
QR Code Transactions1.90% + fixed fee

Receiving international transactions

The fee for receiving domestic transactions applies plus the additional percentage-based fee for international commercial transactions.

Additional percentage-based fee for international commercial transactions

Payment TypeRate
US - Commercial Transactions0.80%
All other countries - Commercial Transactions1.00%
US - QR code Transactions 0.80%
All other countries - QR code Transactions1.00%

Fixed fee for commercial transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Fixed fee for QR Code transactions (based on currency received)

CurrencyFee
Australian dollar0.10 AUD
Brazilian real0.20 BRL
Canadian dollar0.10 CAD
Czech koruna3.00 CZK
Danish krone0.70 DKK
Euro0.10 EUR
Hong Kong dollar0.80 HKD
Hungarian forint30.00 HUF
Israeli new shekel0.40 ILS
Japanese yen12.00 JPY
Malaysian ringgit0.70 MYR
Mexican peso2.00 MXN
CurrencyFee
New Taiwan dollar3.00 TWD
New Zealand dollar0.15 NZD
Norwegian krone1.00 NOK
Philippine peso5.00 PHP
Polish zloty0.50 PLN
Russian ruble3.00 RUB
Singapore dollar0.20 SGD
Swedish krona1.00 SEK
Swiss franc0.10 CHF
Thai baht4.00 THB
UK pounds sterling0.10 GBP
US dollar0.10 USD

Back to top

Charity Transaction Rates

Charity transaction rates are subject to application and pre-approval by PayPal. Once approved by PayPal, these rates will apply to all commercial transaction payments received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.

Receiving domestic charity transactions

Transaction TypeRate
Charity Transactions1.60% + fixed fee

Receiving international charity transactions

Transaction TypeRate
Charity Transactions1.60% + fixed fee
All other countries2.60% + fixed fee

Fixed fee for charity transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Back to top

Advanced Credit and Debit Card Payments

Use of Advanced Credit and Debit Card Payments is subject to eligibility, application, approval by PayPal and your acceptance of the terms of your country’s/territory’s Advanced Credit and Debit Card Payments and Virtual Terminal Agreement. These rates will apply to all commercial transaction card payments received using Advanced Credit and Debit Card Payments.

Receiving transactions using Advanced Credit and Debit Card Payments

Payment typeRate
Advanced Credit and Debit Card Payments2.70% + fixed fee

Fixed fee for Advanced Credit and Debit Card transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Back to top

Alternative Payment Method Rates

We may allow your customers to choose any of the alternative payment methods (APM) listed in our APM agreement at checkout to pay you for purchases.

For a complete listing of the APMs we support, please see Annex 1 of your country’s APM agreement. You must accept the terms of your country’s APM agreement before receiving APM payments.

Back to top

PayPal Here Rates

Our PayPal Here solution is ideal for getting you paid while on the go or bringing the checkout experience directly to your customer anywhere or at any time. Use of PayPal Here is subject to eligibility, application, approval by PayPal and your acceptance of the terms of the PayPal Here agreement. These rates will apply to all commercial transaction payments received using PayPal Here.

Standard rate for receiving transactions using PayPal Here

Payment typeRate
Keyed Transactions3.50% + 0.15 CAD
PayPal Transactions2.70%
Swiped Transactions2.70%

Receiving international transactions using PayPal Here

Payment TypeRate
Keyed Transactions4.50% + 0.15 CAD
PayPal Transactions3.70%
Swiped Transactions3.70%

Back to top

PayPal Website Payments Pro and Virtual Terminal Rates

PayPal’s Website Payments Pro (Pro) and Virtual Terminal (VT) solutions can be integrated into your online and in-person checkout solutions, providing you and your customers with flexibility and security when processing payments. You must accept the terms of your country’s PayPal Website Payments Pro and Virtual Terminal Agreement before receiving Pro/VT payments.

Use of Pro and/or VT is subject to eligibility, application, approval by PayPal and your acceptance of the terms of the PayPal Website Payments Pro and Virtual Terminal Agreement. These rates will apply to all commercial transaction payments received using Pro and/or VT. Any reference to “fixed fee” for Pro transactions means the fixed fee for Pro and VT transactions.

Capitalized terms in this section are defined in the PayPal Website Payments Pro and Virtual Terminal Agreement.

Receiving transactions using Pro

Payment typeRate
Canada Transactions2.90% + fixed fee
US Transactions3.70% + fixed fee
Other International Transactions3.90% + fixed fee
American Express Transactions3.50%

Discount Rates:Discounts based on monthly sales volume may be available for qualified merchants. Charitable organization discounts do not apply. For more information, please refer to the PayPal Website Payments Pro and Virtual Terminal Agreement.

Receiving transactions using VT

Payment typeRate
Canada Transactions3.10% + fixed fee
US Transactions3.90% + fixed fee
Other International Transactions4.10% + fixed fee
American Express Transactions3.50%

Discount Rates:Discounts based on monthly sales volume may be available for qualified merchants. Charitable organization discounts do not apply. For more information, please refer to the PayPal Website Payments Pro and Virtual Terminal Agreement.

Volume-based rates for receiving transactions using Pro & VT

Subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. See our PayPal Website Payments Pro and Virtual Terminal Agreement for more details.

Payment typeAggregate amount of commercial transactions receivedRate
PayPal’s Website Payments Pro (Pro)0.01 – 3000.00 CADStandard Pro Transaction Rates Apply
3000.01 – 12,000.00 CAD2.50% + fixed fee
12,000.01 + CAD2.20% + fixed fee
PayPal’s Website Payments Pro (Pro) – American ExpressAnyStandard Pro Transaction Rates Apply
Virtual Terminal (VT)0.01 – 3000.00 CADStandard VT Transaction Rates Apply
3000.01 – 12,000.00 CAD2.70% + fixed fee
12,000.01 + CAD2.40% + fixed fee
Virtual Terminal (VT) – American ExpressANYStandard VT Transaction Rates Apply

Charity rates for receiving transactions using Pro & VT

Subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. See our PayPal Website Payments Pro and Virtual Terminal Agreement for more details.

Payment typeRate
PayPal’s Website Payments Pro (Pro)2.20% + fixed fee
PayPal’s Website Payments Pro (Pro) – American Express Standard Pro Transaction Rates Apply
Virtual Terminal (VT)2.40% + fixed fee
Virtual Terminal (VT) – American ExpressStandard VT Transaction Rates Apply

Fixed fee for Pro & VT transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Other fees for using Pro or VT

ActivityDescriptionFee
Advanced Fraud Management FiltersOptional Service
  • 20.00 CAD per month

  • 0.05 CAD per transaction
Advanced Fraud Protection ServicesOptional Service
  • 10.00 CAD per month

  • 0.05 CAD per transaction
Additional Risk FactorsIf PayPal determines that your Account receives, or is
likely to receive a disproportionately higher number of
customer complaints, reversals, chargebacks, claims, or other
indicators of a serious level of risk, PayPal may increase the
percentage components of your Transaction Fees after giving you
30 days prior notice of the increase.
Up to 5.00% per transaction
Card Verification TransactionsFor each account verification request
  • Applies only to Visa & MasterCard transactions
0.30 CAD
Failure to implement Express CheckoutIf you do not implement Express Checkout as required, the percentage
components of your Transaction Fees may increase after giving you 30 days prior notice.
1.00% per transaction
Monthly FeesPayPal Payments Advanced10.00 CAD
PayPal Payments Pro35.00 CAD + GST/HST
Websites Payments Pro 35.00 CAD + GST/HST
Virtual Terminal35.00 CAD + GST/HST
Uncaptured Authorization TransactionsFor each successful but uncaptured authorization transaction via Direct Payment or Virtual Terminal0.30 CAD

Back to top

Mass Payments

Mass Payments makes it easy to organize and email many recipients at once. We charge you a fee for each payment you send using Mass Payments, with the fee capped as shown below depending on the type of payment and currency in which it is sent.

Sending Mass Payments

TransactionRate
Canada & US2% of total transaction amount (not to exceed the domestic maximum fee cap below)
Canada & US
  • When using the Payouts API
Flat Rate see fee table below
Other International Mass Payment2% of total transaction amount (not to exceed the international maximum fee cap below)

Fee and maximum fee cap for Mass Payments

Based on payment currency:

CurrencyCA & US Maximum Fee CapCA & US – When using the Payouts API FeeOther International Maximum Fee Cap
Australian dollar1.25 AUD0.32 AUD24.00 AUD
Brazilian real2.00 BRL0.50 BRL40.00 BRL
Canadian dollar1.25 CAD0.32 CAD24.00 CAD
Czech koruna24.00 CZK6.00 CZK400.00 CZK
Danish krone6.00 DKK1.50 DKK120.00 DKK
Euro0.85 EUR0.22 EUR16.00 EUR
Hong Kong dollar7.00 HKD1.75 HKD160.00 HKD
Hungarian forint210.00 HUF53.00 HUF6000.00 HUF
Israeli new shekel4.00 ILS1.00 ILS80.00 ILS
Japanese yen120.00 JPY30.00 JPY2000.00 JPY
Malaysian ringgit4.00 MYRNot Applicable80.00 MYR
Mexican peso11.00 MXN2.75 MXN300.00 MXN
New Taiwan dollar33.00 TWD8.00 TWD800.00 TWD
New Zealand dollar1.50 NZD0.38 NZD30.00 NZD
Norwegian krone6.75 NOK1.70 NOK120.00 NOK
Philippine peso50.00 PHP12.50 PHP1000.00 PHP
Polish zloty3.00 PLN0.75 PLN60.00 PLN
Russian ruble30.00 RUB60.00 RUB600.00 RUB
Singapore dollar1.60 SGD0.40 SGD32.00 SGD
Swedish krona9.00 SEK2.25 SEK160.00 SEK
Swiss franc1.30 CHF0.33 CHF20.00 CHF
Thai baht36.00 THB9.00 THB800.00 THB
UK pounds sterling0.65 GBP0.17 GBP14.00 GBP
US dollar1.00 USD0.25 USD20.00 USD

Back to top

Micropayments

Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates can be ideal as an alternative to standard commercial transaction rates for businesses that process payments under 12.00 CAD. If you upgrade to the Micropayment rate, this rate will apply to all commercial transaction payments received into your PayPal account. Please contact us to apply for the Micropayment rate.

Receiving micropayments

TransactionRate
Canada and US5.0% + micropayments fixed fee
Other International micropayments6.0% + micropayments fixed fee

Micropayments fixed fee

Based on payment currency:

CurrencyFee
Australian dollar0.05 AUD
Brazilian real0.10 BRL
Canadian dollar0.05 CAD
Czech koruna1.67 CZK
Danish krone0.43 DKK
Euro0.05 EUR
Hong Kong dollar0.39 HKD
Hungarian forint15.00 HUF
Israeli new shekel0.20 ILS
Japanese yen7.00 JPY
Malaysian ringgit0.20 MYR
Mexican peso0.55 MXN
CurrencyFee
New Taiwan dollar2.00 TWD
New Zealand dollar0.08 NZD
Norwegian krone0.47 NOK
Philippine peso2.50 PHP
Polish zloty0.23 PLN
Russian ruble2.00 RUB
Singapore dollar0.08 SGD
Swedish krona0.54 SEK
Swiss franc0.09 CHF
Thai baht1.80 THB
UK pounds sterling0.05 GBP
US dollar0.05 USD

Back to top

Chargeback Fees

For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, we assess a settlement fee to sellers for credit and debit card transaction chargebacks (a chargeback may occur when a buyer rejects or reverses a charge on his or her card through the card issuer).

The chargeback fee is based on the currency received as follows:

Chargeback fees

CurrencyFee
Australian dollar22.00 AUD
Brazilian real35.00 BRL
Canadian dollar20.00 CAD
Czech koruna400.00 CZK
Danish krone120.00 DKK
Euro16.00 EUR
Hong Kong dollar155.00 HKD
Hungarian forint4,325.00 HUF
Israeli new shekel75.00 ILS
Japanese yen1,875.00 JPY
Malaysian ringgit65.00 MYR
Mexican peso250.00 MXN
CurrencyFee
New Taiwan dollar625.00 TWD
New Zealand dollar28.00 NZD
Norwegian krone125.00 NOK
Philippine peso900.00 PHP
Polish zloty65.00 PLN
Russian ruble640.00 RUB
Singapore dollar28.00 SGD
Swedish krona150.00 SEK
Swiss franc22.00 CHF
Thai baht650.00 THB
UK pounds sterling14.00 GBP
US dollar20.00 USD

Back to top

Dispute Fees

We may charge a Dispute Fee when a buyer files a dispute claim or chargeback for a transaction that was processed through the buyer’s PayPal account or a PayPal checkout solution. Please see the User Agreement for more information about Standard and High Volume Dispute fees.

Dispute fees will be applied in the currency of the original transaction.

Standard Dispute Fees

CurrencyFee
Australian dollar25.00 AUD
Brazilian real65.00 BRL
Canadian dollar20.00 CAD
Czech koruna350.00 CZK
Danish krone100.00 DKK
Euro14.00 EUR
Hong Kong dollar115.00 HKD
Hungarian forint4,585.00 HUF
Indian Rupee1080.00 INR
Israeli new shekel55.00 ILS
Japanese yen1,630.00 JPY
Malaysian ringgit65.00 MYR
Mexican peso300.00 MXN
CurrencyFee
New Taiwan dollar455.00 TWD
New Zealand dollar25.00 NZD
Norwegian krone140.00 NOK
Philippine peso760.00 PHP
Polish zloty60.00 PLN
Russian ruble1125.00 RUB
Singapore dollar20.00 SGD
Swedish krona145.00 SEK
Swiss franc15.00 CHF
Thai baht465.00 THB
UK pounds sterling12.00 GBP
US dollar15.00 USD
  

High Volume Dispute Fees

CurrencyFee
Australian dollar50.00 AUD
Brazilian real130.00 BRL
Canadian dollar40.00 CAD
Czech koruna700.00 CZK
Danish krone200.00 DKK
Euro28.00 EUR
Hong Kong dollar230.00 HKD
Hungarian forint9170.00 HUF
Indian Rupee2160.00 INR
Israeli new shekel110.00 ILS
Japanese yen3260.00 JPY
Malaysian ringgit130.00 MYR
Mexican peso600.00 MXN
CurrencyFee
New Taiwan dollar910.00 TWD
New Zealand dollar50.00 NZD
Norwegian krone280.00 NOK
Philippine peso1520.00 PHP
Polish zloty120.00 PLN
Russian ruble2250.00 RUB
Singapore dollar40.00 SGD
Swedish krona290.00 SEK
Swiss franc30.00 CHF
Thai baht930.00 THB
UK pounds sterling24.00 GBP
US dollar30.00 USD
  

Back to top

Currency Conversions

For information about how we convert currency, please see the user agreement. The fee depends on the type of transaction and currency being converted. You will be charged the minimum rates set out below, or such other amounts as may be disclosed to you during the transaction.

Converting payments in another currency

For any currency conversions that occur when sending/receiving personal payments, commercial transactions and when using PayPal Payouts or Mass Pay products:

CurrencyMinimum Rate
Canadian dollar4.00%
US dollar4.00%
All Other Currencies4.00%

Notice: Residents of Quebec will be charged the minimum rate set out above.

Conversions in all other cases

For all other currency conversions:

Minimum Rate
3.00%

Notice: Residents of Quebec will be charged the minimum rate set out above.

Back to top

E-cheque Fees

Sometimes the sender of a payment you receive may use an E-cheque as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the User Agreement for more information about E-cheque. When you receive an E-cheque funded payment we apply the fee you agreed to pay to receive the payment up to a monetary cap indicated below (based on the currency received):

Receiving E-cheque fees

CountryRate
Per each payment transactionCommercial Transaction Rates

Maximum fee cap for E-cheque

CurrencyMaximum fee cap
Australian dollar300.00 AUD
Brazilian real500.00 BRL
Canadian dollar300.00 CAD
Czech koruna5000.00 CZK
Danish krone1500.00 DKK
Euro200.00 EUR
Hong Kong dollar2500.00 HKD
Hungarian forint54000.00 HUF
Israeli new shekel1160.00 ILS
Japanese yen24,000.00 JPY
Malaysian ringgit1000.00 MYR
Mexican peso3500.00 MXN
New Taiwan dollar9000.00 TWD
New Zealand dollar400.00 NZD
Norwegian krone1600.00 NOK
Philippine peso13,000.00 PHP
Polish zloty800.00 PLN
Russian ruble12,000.00 RUB
Singapore dollar400.00 SGD
Swedish krona1800.00 SEK
Swiss franc300.00 CHF
Thai baht9000.00 THB
UK pounds sterling200.00 GBP
US dollar300.00 USD

Back to top

Transfers Out of PayPal

You can typically transfer money out of PayPal to your linked bank account or eligible cards. A currency conversion (and currency conversion fees) may also apply.

Transferring balance from a business PayPal account

Transfer toTransfer TypeRate
Bank accountLocalNo Fee (when no currency conversion is involved)
CardsInstant
1.00% of amount transferred

Withdrawal Limits

FrequencyMaximum (up to)
Per transaction5000.00 CAD
Per day5000.00 CAD
Per week5000.00 CAD
Per month15000.00 CAD

Maximum fees

Based on withdrawal currency:

CurrencyMaximum Fee
Canadian dollar10.00 CAD

Back to top

Other Merchant Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.

Other Fees

ActivityDescriptionRate
Bank Return on Transfer out of PayPalThis fee is charged when a transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided.No Fee
Commercial Transaction RefundsFull Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Partial Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Credit Card and Debit Card Confirmation(s)Some users, in order to increase their sending limit or as PayPal may determine, may be charged a Credit Card and Debit Card Link and Confirmation fee. This amount will be refunded when you successfully complete the credit card or debit card verification process.See Credit Card and Debit Card Link and Confirmation Table below.

Credit Card and Debit Card Link and Confirmation Table

CurrencyFee
Australian dollar2.00 AUD
Brazilian real4.00 BRL
Canadian dollar2.45 CAD
Czech koruna50.00 CZK
Danish krone12.50 DKK
Euro1.50 EUR
Hong Kong dollar15.00 HKD
Hungarian forint400.00 HUF
Israeli new shekel8.00 ILS
Japanese yen200.00 JPY
Malaysian ringgitNot Applicable
Mexican peso20.00 MXN
CurrencyFee
New Taiwan dollar70.00 TWD
New Zealand dollar3.00 NZD
Norwegian krone15.00 NOK
Philippine peso100.00 PHP
Polish zloty6.50 PLN
Russian ruble60.00 RUB
Singapore dollar3.00 SGD
Swedish krona15.00 SEK
Swiss franc3.00 CHF
Thai baht70.00 THB
UK pounds sterling1.00 GBP
US dollar1.95 USD

Back to top