Simple pricing. No surprises.

Buying with PayPal is usually free. When you sell with PayPal, you get some of the most competitive rates in the business, starting at 2.9% + $0.30 per domestic transaction.

Last Updated: May 29, 2019

Buying something with PayPal.

It’s free to buy something with PayPal unless it involves a currency conversion.

Buying online : Free (when no currency conversion is involved).

Selling with PayPal

That’s a small price to pay for accepting all forms of payments from over million customers worldwide. There are no hidden fees. You don’t pay anything until you get paid for your sale.

More about PayPal merchant fees

Sales within Canada: 2.9% + $0.30 CAD per transaction
Discount rate for charities registered with the Canada Revenue Agency: 1.6% + $0.30 CAD per transaction
Sales to the US: 3.7% transaction fee + fixed fee based on the currency received
International sales (excluding the US): 3.9% transaction fee + fixed fee based on the currency received

Sending is usually free.

Sending in Canada

If you are a Canadian account holder sending Canadian dollars to a friend or family member with a PayPal account in Canada, you may pay a fee depending on how you pay.

Payment method: Fees:
Funded by your PayPal balance or a bank account linked to your PayPal account. Free
Funded by a credit card or Visa Debit card 2.9% + fixed fee based on the currency

Sending Internationally

If you are a Canadian account holder sending money to a friend or family member with a PayPal account in a country other than Canada, you may pay a fee depending on how you pay and which country the recipient’s account is in.

Country of Recipient's Account
Payment Method
Funded by your PayPal balance or a bank account linked to your PayPal account
Funded by a credit card or Visa Debit card
United States, Northern Europe*, Europe I** or Europe II*** $2.99 CAD† $2.99 CAD† +
2.9% + fixed fee based on the currency
Any other country $4.99 CAD† $4.99 CAD† +
2.9% + fixed fee based on the currency

* Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.
** Austria, Belgium, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Isle of Man, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom, Vatican City State.
*** Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Ukraine.
† If funded in a foreign currency, then a comparable amount in that currency, including our Currency Conversion Fee.

Transferring balance from Personal Accounts.

If you are a Canadian PayPal account holder, you can transfer money out of your balance in two ways. * Transfers made using your linked bank account are always free and are usually deposited the next business day. ** Now, with Instant Transfer, for a low fee you can transfer funds to your bank account even faster using your eligible debit card. Transfers using a debit card are typically completed in minutes. *** You can choose between your linked bank account(s) and any eligible debit cards when you make a transfer. Eligible debit cards include Visa debit cards that participate in Instant Transfers. Participation of these cards is driven by the card issuer.

Linked bank account Free
Instant Transfer with eligible linked debit card 1% of amount transferred, up to $10 maximum

Instant Transfer Withdrawal Limits for Personal Accounts

  • Up to $5,000 per transaction
  • Up to $5,000 per day
  • Up to $5,000 per week
  • Up to $15,000 per month

fixed fees for sending in other currencies.

Currency fixed fee Currency fixed fee
Australian Dollar: $0.30 AUD New Zealand Dollar: $0.45 NZD
Brazilian Real: 0.60 BRL Norwegian Krone: 2.80 NOK
Canadian Dollar: $0.30 CAD Philippine Peso: 15.00 PHP
Czech Koruna: 10.00 CZK Polish Zlotys: 1.35 PLN
Danish Krone: 2.60 DKK Russian Ruble: 10 RUB
Euro: €0.35 EUR Singapore Dollar: $0.50 SGD
Hong Kong Dollar: $2.35 HKD Swedish Krona: 3.25 SEK
Hungarian Forint: 90 HUF Swiss Franc: 0.55 CHF
Israeli Shekel: 1.20 ILS Taiwan New Dollar: 10.00 TWD
Japanese Yen: ¥40 JPY Thai Baht: 11.00 THB
Malaysian Ringgit: 2.00 MYR U.K. Pound Sterling: £0.20 GBP
Mexican Peso: $4.00 MXN U.S. Dollar: $0.30 USD

Currency conversion fees

For any of the following transactions that involve a currency conversion, the currency conversion fee is a minimum of 3.0% for Canadian or U.S. dollars, or a minimum of 3.5% for all other currencies, or such other amounts as may be disclosed to you during the transaction, not to exceed 3.7%*:

  • Paying for goods or services in a currency other than the currency the goods or services are listed in.
  • Sending money to a friend or family member such that they receive a different currency from the currency you pay in.
  • Sending money using PayPal’s Payouts or MassPay products such that your recipients receive a different currency from the currency you pay in.

For all other transactions involving a currency conversion, the currency conversion fee is a minimum of 2.5%, or such other amounts as may be disclosed to you during the transaction, not to exceed 3.7%*.