PayPal Merchant Fees

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

Last Updated: July 16, 2025

You can find details about changes to our rates and fees and when they will apply on our Policy Updates
Page or as otherwise required by the user agreement. You can also get to the Policy Updates Page by
clicking ‘Legal’ at the bottom of any webpage 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 market.

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

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

Relevant Market/Region
Rates published below apply to PayPal accounts of residents of the following market/region:

Market/Region list
United States (US)

Commercial Transaction Rates

When you accept the User Agreement to buy or sell goods or services or make any other commercial type
of transaction, we call that a “commercial transaction”.

Standard rate for receiving domestic transactions

Payment Type Rate
Alternative Payment Method (APM) APM Transaction Rates Apply
PayPal Checkout 3.49% + fixed fee
PayPal Guest Checkout 3.49% + fixed fee
 QR code Transactions 2.29% + fixed fee
QR code Transactions through third party integrator 2.29% + 0.09 USD
Pay with Venmo 3.49% + fixed fee
Send/Receive Money for Goods and Services 2.99%
Standard Credit and Debit Card Payments 2.99% + fixed fee
PayPal Pay Later options 4.99% + fixed fee
All Other Commercial Transactions 3.49% + 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 Type Rate
All Commercial Transactions 1.50%

Fixed fee for commercial transactions (based on currency received)

Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD

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

Currency Fee Currency Fee
Australian dollar 0.12 AUD New Taiwan dollar 3.00 TWD
Brazilian real 0.50 BRL New Zealand dollar 0.13 NZD
Canadian dollar 0.11 CAD Norwegian krone 0.77 NOK
Czech koruna 1.90 CZK Philippine peso 4.40 PHP
Danish krone 0.56 DKK Polish zloty 0.34 PLN
Euro 0.07 EUR Russian ruble 6.90 RUB
Hong Kong dollar 0.70 HKD Singapore dollar 0.12 SGD
Hungarian forint 29.00 HUF Swedish krona 0.76 SEK
Israeli new shekel 0.30 ILS Swiss franc 0.08 CHF
Japanese yen 9.00 JPY Thai baht 2.90 THB
Malaysian ringgit 0.40 MYR UK pounds sterling 0.07 GBP
Mexican peso 1.79 MXN US dollar 0.09 USD

Other fees for using Commercial Transactions

Activity Description Fee
Campaign Fee – Store Cash All applicable PayPal transaction 8.00%
transactions fees are calculated from the cart
total, after any Store Cash offers
being applied by the PayPal user.
For more information about
Campaign Fee calculations, please
see the PayPal Store Cash
Agreement.

Buying, Selling, and Transferring Cryptocurrencies

Buying or selling a cryptocurrency using your business account
There’s a fee for buying or selling Crypto Assets using your business account. The fee will vary based on
the USD value of your Crypto Assets purchase or sale amount.

The exchange rate you'll see before buying or selling Crypto Assets will also include a cryptocurrency
conversion spread. There's no fee for holding Crypto Assets in your account.

Purchase or sale amount Fee

1.00 – 74.99 USD 2.20 %
75.00 – 200.00 USD 2.00%
200.01 - 1000.00 USD 1.80%
1000.01 USD + 1.50%

The fees above do not apply to buying and selling PYUSD.

Transferring a cryptocurrency using your business account

Transfer Type Fee
Receiving a Crypto Asset transfer No Fee
Transferring Crypto Asset to an address outside of You will be charged a cryptocurrency network fee,
PayPal or Venmo payable in the Crypto Asset you transfer, which varies.
For details on the network fee, see the PayPal
 Cryptocurrency Terms and Conditions. We will display
such network fee right before you transfer any crypto

Invoicing Transaction Rates

When you accept the User Agreement and send an invoice as a payment request for the sale of goods and
services, and the customer sends you a payment via that invoice, we call that an “invoicing transaction.”

Standard rate for receiving domestic invoicing transactions

Payment Type through an Invoicing Transaction Rate
PayPal Checkout, Pay with Venmo, or PayPal Guest 3.49% + fixed fee
Checkout
Standard Credit and Debit Card Payments, Apple Pay, 2.99% + fixed fee
or other third-party wallets
PayPal Pay Later options 4.99% + fixed fee

Receiving international invoicing transactions

The fee for receiving domestic Invoicing Transactions applies plus the additional percentage-based fee for
international invoicing transactions.

Additional percentage-based fee for international invoicing transactions

Payment Type through an Invoicing Transaction Rate
All Payment Types through Invoicing Transactions 1.50%

Fixed fee for invoicing transactions (based on currency received)

Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
 Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD

Standard rate for Invoice Subscription Service

As described in the Invoicing Terms and Conditions, if you subscribe to Invoice Subscription Service, the
following applies:

Service Type Rate

Invoicing Subscription 14.99 USD per month

Bill Pay for Business Accounts Transaction Rates

When you use the Bill Pay for Business Accounts service to send funds to your Payees, we call that a “Bill
Pay for Business Accounts Transaction”.

Standard rates for funding a Bill Pay for Business Accounts Transaction
The processing fee rate for funding a Bill Pay for Business Accounts Transaction is 2.90%; however, we
provide certain discounts based on Funding Type, as follows:

Funding Type Rate

PayPal Wallet – Bank Account Waived – No Fee
PayPal Wallet – Balance Waived – No Fee
PYUSD (subject to availability) Waived – No Fee
Debit and Credit 2.90%

Standard rates for disbursement of Bill Pay for Business Accounts

Transactions
For any of the following disbursement types involving a currency conversion by PayPal, the
disbursement rate will also include a currency conversion spread.

Disbursement Type Rate

ACH – US Domestic 0.49 USD per transaction
ACH – International Fixed Fee
PayPal Wallet USD No Fee
PayPal Wallet Other Currencies No Fee
Venmo (subject to availability) No Fee
PYUSD (subject to availability) 1%
Mailed Checks 2.00 USD per check
Virtual Card (subject to availability) No Fee
Instant Transfer (subject to availability) 1% (Minimum Fee of 2.00 USD, Maximum Fee of 50.00
USD)
Pay faster by Check (subject to availability) 20.00 USD
Pay faster by ACH (subject to availability) 1% (Minimum Fee of 2.00 USD, Maximum Fee of 50.00
USD)
Wire Transfer Fixed Fee

Fixed fee for ACH – International Disbursements

Currency Fee Currency Fee
Australian dollar 1.50 AUD Korean won 7200.00 KRW
Brazilian real 25.00 BRL Mexican peso 20.00 MXN
Canadian dollar 1.50 CAD New Zealand dollar 8.60 NZD
Czech koruna 120.00 CZK Norwegian krone 55.00 NOK
Chinese yuan 36.00 CNY Philippine peso 290.00 PHP
Danish krone 35.00 DKK Polish zloty 20.00 PLN
Euro 0.90 EUR Singapore dollar 6.95 SGD
Hong Kong dollar 7.60 HKD Swedish krona 55.00 SEK
Hungarian forint 1900.00 HUF Swiss franc 4.45 CHF
Israeli new shekel 20.00 ILS UK pounds sterling 0.75 GBP
Indian rupee 420.00 INR US dollar 0.95 USD
Japanese yen 745.00 JPY

Fixed fee for Wire Transfer Disbursements

Currency Fee
US dollar 20.00 USD
Euro 19.00 EUR
Australian dollar 30.00 AUD
Japanese yen 3000.00 JPY
Korean won 29000.00 KRW

Standard rate for Bill Pay for Business Accounts Subscription Service
If you subscribe to the two-way accounting syncing service as part of Bill Pay for Business Accounts, the
following applies:

Service Type Rate

Bill Pay Two-Way Accounting Syncing 9.99 USD per month
 Receiving and Sending Donations
When you accept the User Agreement to send or receive funds using one of the payment types listed
below, we call that a “donation”. Funds sent or received through other products or services (not set out
below) are not “donations” eligible for donations pricing. In such cases, the applicable transaction rates
will apply and will be subject to the fees disclosed for such products or services on the applicable fees
page.

Standard rate for receiving domestic donations

Payment Type Rate
Donate Button 2.89% + fixed fee
PayPal Checkout for Donations 2.89% + fixed fee

Receiving international donations

The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for
international donations.

Additional percentage-based fee for international donations

Payment Type Rate
All Donations 1.50%

Fixed fee for donations (based on currency received)

Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD

Standard rate for sending domestic donations

Payment Type Rate
Donations No Fee
Standard rate for sending international donations
The applicable fee for sending domestic donations applies plus the applicable additional percentage-
based fee for international donations (international fee).

Payment Type Rate

Donations No Fee (when no currency conversion is involved)

Charity Transaction Rates

Charity transaction rates are subject to eligibility, application, and pre-approval by PayPal, as further
described in the Confirmed Charity Terms and Conditions. Once approved by PayPal, these rates will apply
to certain payment types that are subject to the User Agreement. Receiving domestic charity transactions
Payment Type Rate
Charity Transactions 1.99% + fixed fee

Receiving international charity transactions

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

Additional percentage-based fee for international charity transactions

Payment Type Rate
Charity Transactions 1.50%

Fixed fee for charity transactions (based on currency received)

Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD
 Alternative Payment Method Rates
We may allow your customers to choose any of the alternative payment methods (APMs) 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 the APM agreement. You must
accept the terms of the APM agreement before receiving APM payments.

Standard rate for receiving domestic transactions

Payment Type Rate
Alternative Payment Method (APM) 2.89% + fixed fee
Alternative Payment Method (APM) through Pay Links 2.99% + fixed fee
and Buttons, Payment Links and Buttons, Payment
Links, Buy Buttons, Shopping Cart Buttons

Receiving international transactions

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

Additional percentage-based fee for international APM transactions

Payment Type Rate
Alternative Payment Method (APM) 1.50%

Fixed fee for APM transactions (based on currency received)

Currency Fee Currency Fee
Australian dollar 0.39 AUD New Taiwan dollar 8.00 TWD
Brazilian real 1.70 BRL New Zealand dollar 0.49 NZD
Canadian dollar 0.39 CAD Norwegian krone 2.30 NOK
Czech koruna 5.00 CZK Philippine peso 15.00 PHP
Danish krone 1.70 DKK Polish zloty 1.09 PLN
Euro 0.19 EUR Russian ruble 23.00 RUB
Hong Kong dollar 2.29 HKD Singapore dollar 0.49 SGD
Hungarian forint 89.00 HUF Swedish krona 2.40 SEK
Israeli new shekel 0.90 ILS Swiss franc 0.29 CHF
Japanese yen 29.00 JPY Thai baht 9.00 THB
Malaysian ringgit 1.20 MYR UK pounds sterling 0.19 GBP
Mexican peso 5.00 MXN US dollar 0.29 USD
Fixed fee for APM transactions through Pay Links and Buttons, Payment
Links and Buttons, Payment Links, Buy Buttons, Shopping Cart Buttons
(based on currency received)
Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD

PayPal Balance
PayPal offers a balance holding account commonly referred to as PayPal Balance.

For more information and a complete listing of fees associated, please refer to the PayPal Balance Terms
and Conditions.

PayPal Online Payment Services

Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance
of the PayPal Online Payment Services Agreement. These rates will apply to the following payment types
received using PayPal Online Payment Services.

Capitalized terms in this section are defined in the PayPal Online Payment Services Agreement.

Receiving domestic transactions using PayPal Online Payment Services

Payment type Rate
Advanced Credit and Debit Card Payments 2.89% + fixed fee
ACH Services 0.80% (capped at $5.00 per transaction)
Payments Advanced 2.89% + fixed fee
Payments Pro 2.89% + fixed fee
Virtual Terminal 3.39% + fixed fee
Charity rates for receiving transactions using PayPal Card Payment
Services
Charity rates for receiving transactions using the below PayPal Card Payment Services are subject to
eligibility, application, and pre-approval by PayPal, as further described in the Confirmed Charity Terms
and Conditions. See our PayPal Online Payment Services Agreement for more details about the below
services.

Payment Type Rate

Payments Pro 1.99% + fixed fee
Virtual Terminal 2.69% + fixed fee
Advanced Credit and Debit Card Payments 2.19% + fixed fee
Advanced Credit and Debit Card Payments Interchange Plus Plus Rates Apply
(Interchange Plus Plus)

Fixed fee for PayPal Card Payment Services transactions for Payments
Advanced and Payments Pro (based on currency received)
Currency Fee Currency Fee
Australian dollar 0.59 AUD New Taiwan dollar 14.00 TWD
Brazilian real 2.90 BRL New Zealand dollar 0.69 NZD
Canadian dollar 0.59 CAD Norwegian krone 3.90 NOK
Czech koruna 9.00 CZK Philippine peso 25.00 PHP
Danish krone 2.90 DKK Polish zloty 1.89 PLN
Euro 0.39 EUR Russian ruble 39.00 RUB
Hong Kong dollar 3.79 HKD Singapore dollar 0.69 SGD
Hungarian forint 149.00 HUF Swedish krona 4.09 SEK
Israeli new shekel 1.60 ILS Swiss franc 0.49 CHF
Japanese yen 49.00 JPY Thai baht 15.00 THB
Malaysian ringgit 2.00 MYR UK pounds sterling 0.39 GBP
Mexican peso 9.00 MXN US dollar 0.49 USD

Fixed fee for PayPal Card Payment Services transactions for Advanced
Credit and Debit Card Payments and Virtual Terminal (based on currency
received)

Currency Fee Currency Fee

Australian dollar 0.39 AUD New Taiwan dollar 8.00 TWD
Brazilian real 1.70 BRL New Zealand dollar 0.49 NZD
Canadian dollar 0.39 CAD Norwegian krone 2.30 NOK
Czech koruna 5.00 CZK Philippine peso 15.00 PHP
Danish krone 1.70 DKK Polish zloty 1.09 PLN
Euro 0.19 EUR Russian ruble 23.00 RUB
Hong Kong dollar 2.29 HKD Singapore dollar 0.49 SGD
Hungarian forint 89.00 HUF Swedish krona 2.40 SEK
Israeli new shekel 0.90 ILS Swiss franc 0.29 CHF
Japanese yen 29.00 JPY Thai baht 9.00 THB
Malaysian ringgit 1.20 MYR UK pounds sterling 0.19 GBP
Mexican peso 5.00 MXN US dollar 0.29 USD

Interchange Plus Plus fee structure for PayPal Card Payment Services
transactions
Subject to activation in your account settings and your acceptance of the PayPal Online
Payment Services Agreement, the following alternative fee structure may apply to eligible
Payment Types.

Payment Type Rate

Advanced Credit and Debit Interchange Pass-through Costs + 0.49% + fixed fee
Card Payments (Interchange (collectively “Interchange Plus Plus”)
Plus Plus)

Interchange Plus Plus Fixed fee for PayPal Card Payment Services
transactions (based on currency received)
Currency Fee Currency Fee
Australian dollar 0.49 AUD New Taiwan dollar 11.00 TWD
Brazilian real 2.29 BRL New Zealand dollar 0.59 NZD
Canadian dollar 0.49 CAD Norwegian krone 3.09 NOK
Czech koruna 7.00 CZK Philippine peso 20.00 PHP
Danish krone 2.29 DKK Polish zloty 1.49 PLN
Euro 0.29 EUR Russian ruble 31.00 RUB
Hong Kong dollar 2.99 HKD Singapore dollar 0.59 SGD
Hungarian forint 119.00 HUF Swedish krona 3.29 SEK
Israeli new shekel 1.29 ILS Swiss franc 0.39 CHF
Japanese yen 39.00 JPY Thai baht 12.00 THB
Malaysian ringgit 1.59 MYR UK pounds sterling 0.29 GBP
Mexican peso 7.00 MXN US dollar 0.39 USD

Receiving international transactions using PayPal Card Payment Services

The fee for receiving domestic PayPal Card Payment Services transactions applies plus the additional
percentage-based fee for international PayPal Card Payment Services transactions.
Additional percentage-based fee for international PayPal Card Payment
Services transactions
Payment Type Rate
Advanced Credit and Debit Card Payments No additional percentage-based fee for international
(Interchange Plus Plus) transactions for this Payment Type
All Other PayPal Card Payment Services Transactions 1.50%

Other fees for using PayPal Online Payment Services

Activity Description Fee
Account Monitoring Service Optional Service • 29.95 USD set up fee
• 19.95 USD per month
ACH Services Return Fee or This fee is charged when a return is • 5.00 USD Return Fee for
Unauthorized Fee requested or when the transaction each transaction returned
is unauthorized and then by the banking network
rejected/reversed. • 5.00 USD Unauthorized
Fee for each transaction
disputed by your
customer as unauthorized

Fraud Protection Advanced Optional Service • 0.07 USD per transaction

Additional Risk Factors If PayPal determines that your Up to 5.00% per transaction
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.
Buyer Authentication Service Optional Service • 10.00 USD per month
• 0.10 USD per transaction
Card Verification Transactions For each account verification 0.30 USD
request
Chargeback Protection Tools Chargeback Protection Tool 0.40% per transaction
• Advanced Credit and Debit
Card Payments
Effortless Chargeback Protection 0.60% per transaction
Tool
• Advanced Credit and Debit
Card Payments
Failure to implement Express If you do not implement Express 1.00% per transaction
Checkout Checkout as required, the
percentage components of your
 Transaction Fees may increase
after giving you 30 days prior
notice.
Monthly Fees Advanced Credit and Debit Card No fee
Payments and ACH Services

Payments Advanced 5.00 USD

Payments Pro 30.00 USD
Payments Pro Payflow 30.00 USD
Virtual Terminal 30.00 USD
Recurring Billing Optional Service 10.00 USD per month
Recurring Payment Tool Optional Service 30.00 USD per month
Uncaptured Authorization For each successful but uncaptured 0.30 USD
Transactions authorization transaction.

Payflow Pro (Payment Gateway)

Payflow Pro gives you the flexibility to design a checkout page that matches your site’s branding, and
Payflow Link comes with a pre-built checkout template you embed right into your checkout page. With
either, your customers can pay by credit card without leaving your site. For more information, please refer
to the Payflow Gateway Services Agreement.

Receiving transactions using Payflow

Payment type Fee
Payflow Pro Transaction 0.10 USD
Payflow Link Transaction 0.10 USD

Other fees for using Payflow

Activity Description Fee
Monthly Fees Payflow Pro 25.00 USD
Payflow Link No fee
PayPal Recurring Billing Service Payflow Pro 10.00 USD
(Monthly) Payflow Link 10.00 USD
PayPal Fraud Protection Services Basic Package No fee
(Monthly) Advanced Package 10.00 USD
Buyer Authentication + 10.00 USD
PayPal Fraud Protection Services Basic Package No fee
(Monthly Excess Transaction Fee) Advanced Package 0.05 USD
Buyer Authentication + 0.10 USD
Recurring Billing Service No fee
 PayPal Zettle Rates
Use of PayPal Zettle is subject to eligibility, application, approval by PayPal and your acceptance of the
PayPal Zettle agreement. These rates will apply to the following payment types received using PayPal
Zettle.

Standard rate for receiving transactions using PayPal Zettle

Payment Type Rate
Card Present Transactions 2.29% + 0.09 USD
Manual Card Entry Transactions 3.49% + 0.09 USD
QR code Transactions 2.29% + 0.09 USD

PayPal Payouts
PayPal Payouts (which includes the service formerly known as Mass Pay) allows you to easily
send payments to multiple recipients at once. We charge you a fee for each payment you send
using PayPal Payouts. The fee is based on the type of payment and currency in which it is sent.

Sending PayPal Payouts

Transaction Rate
US 2% of total transaction amount (not to exceed the
maximum fee cap below)
US Flat Rate (see fee table below)
• When using the Payouts API
International PayPal Payouts 2% of total transaction amount (not to exceed the
maximum fee cap below)

Fee and maximum fee cap for PayPal Payouts

Based on payment currency:
Currency US Maximum Fee Cap US – When using the International Maximum
Payouts API Fee Fee Cap
Australian dollar 1.25 AUD 0.32 AUD 24.00 AUD
Brazilian real 2.00 BRL 0.50 BRL 40.00 BRL
Canadian dollar 1.25 CAD 0.32 CAD 24.00 CAD
Czech koruna 24.00 CZK 6.00 CZK 400.00 CZK
Danish krone 6.00 DKK 1.50 DKK 120.00 DKK
Euro 0.85 EUR 0.22 EUR 16.00 EUR
Hong Kong dollar 7.00 HKD 1.75 HKD 160.00 HKD
Hungarian forint 210.00 HUF 53.00 HUF 6000.00 HUF
Israeli new shekel 4.00 ILS 1.00 ILS 80.00 ILS
Japanese yen 120.00 JPY 30.00 JPY 2000.00 JPY
Malaysian ringgit 4.00 MYR Not Applicable 80.00 MYR
Mexican peso 11.00 MXN 2.75 MXN 300.00 MXN
 New Taiwan dollar 33.00 TWD 8.00 TWD 800.00 TWD
New Zealand dollar 1.50 NZD 0.38 NZD 30.00 NZD
Norwegian krone 6.75 NOK 1.70 NOK 120.00 NOK
Philippine peso 50.00 PHP 12.50 PHP 1000.00 PHP
Polish zloty 3.00 PLN 0.75 PLN 60.00 PLN
Russian ruble 30.00 RUB 60.00 RUB 600.00 RUB
Singapore dollar 1.60 SGD 0.40 SGD 32.00 SGD
Swedish krona 9.00 SEK 2.25 SEK 160.00 SEK
Swiss franc 1.30 CHF 0.33 CHF 20.00 CHF
Thai baht 36.00 THB 9.00 THB 800.00 THB
UK pounds sterling 0.65 GBP 0.17 GBP 14.00 GBP
US dollar 1.00 USD 0.25 USD 20.00 USD

Micropayments
When you accept the User Agreement, you may apply to receive Micropayments pricing for certain lower
value transactions processed through your PayPal account. The rate below applies to both Dynamic and
Static Micropayments.

Receiving domestic micropayments

Payment Type Rate
US 4.99% + fixed fee

Receiving international transactions

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

Additional percentage-based fee for international Micropayment

transactions
Payment Type Rate
Micropayments 1.50%

Micropayments fixed fee

Based on payment currency:
Currency Fee Currency Fee
Australian dollar 0.12 AUD New Taiwan dollar 3.00 TWD
Brazilian real 0.50 BRL New Zealand dollar 0.13 NZD
Canadian dollar 0.11 CAD Norwegian krone 0.77 NOK
Czech koruna 1.90 CZK Philippine peso 4.40 PHP
Danish krone 0.56 DKK Polish zloty 0.34 PLN
Euro 0.07 EUR Russian ruble 6.90 RUB
Hong Kong dollar 0.70 HKD Singapore dollar 0.12 SGD
 Hungarian forint 29.00 HUF Swedish krona 0.76 SEK
Israeli new shekel 0.30 ILS Swiss franc 0.08 CHF
Japanese yen 9.00 JPY Thai baht 2.90 THB
Malaysian ringgit 0.40 MYR UK pounds sterling 0.07 GBP
Mexican peso 1.79 MXN US dollar 0.09 USD

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).

For Chargeback Protection Services applicable to PayPal’s Card Payment Services, please see the PayPal
Online Payment Services Agreement.

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

Chargeback fees
Currency Fee Currency Fee
Australian dollar 22.00 AUD New Taiwan dollar 625.00 TWD
Brazilian real 35.00 BRL New Zealand dollar 28.00 NZD
Canadian dollar 20.00 CAD Norwegian krone 125.00 NOK
Czech koruna 400.00 CZK Philippine peso 900.00 PHP
Danish krone 120.00 DKK Polish zloty 65.00 PLN
Euro 16.00 EUR Russian ruble 640.00 RUB
Hong Kong dollar 155.00 HKD Singapore dollar 28.00 SGD
Hungarian forint 4,325.00 HUF Swedish krona 150.00 SEK
Israeli new shekel 75.00 ILS Swiss franc 22.00 CHF
Japanese yen 1,875.00 JPY Thai baht 650.00 THB
Malaysian ringgit 65.00 MYR UK pounds sterling 14.00 GBP
Mexican peso 250.00 MXN US dollar 20.00 USD

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

Currency Fee Currency Fee
Australian dollar 25.00 AUD New Taiwan dollar 455.00 TWD
Brazilian real 65.00 BRL New Zealand dollar 25.00 NZD
 Canadian dollar 20.00 CAD Norwegian krone 140.00 NOK
Czech koruna 350.00 CZK Philippine peso 760.00 PHP
Danish krone 100.00 DKK Polish zloty 60.00 PLN
Euro 14.00 EUR Russian ruble 1125.00 RUB
Hong Kong dollar 115.00 HKD Singapore dollar 20.00 SGD
Hungarian forint 4,585.00 HUF Swedish krona 145.00 SEK
Indian Rupee 1080.00 INR Swiss franc 15.00 CHF
Israeli new shekel 55.00 ILS Thai baht 465.00 THB
Japanese yen 1,630.00 JPY UK pounds sterling 12.00 GBP
Malaysian ringgit 65.00 MYR US dollar 15.00 USD
Mexican peso 300.00 MXN

High Volume Dispute Fees

Currency Fee Currency Fee
Australian dollar 50.00 AUD New Taiwan dollar 910.00 TWD
Brazilian real 130.00 BRL New Zealand dollar 50.00 NZD
Canadian dollar 40.00 CAD Norwegian krone 280.00 NOK
Czech koruna 700.00 CZK Philippine peso 1520.00 PHP
Danish krone 200.00 DKK Polish zloty 120.00 PLN
Euro 28.00 EUR Russian ruble 2250.00 RUB
Hong Kong dollar 230.00 HKD Singapore dollar 40.00 SGD
Hungarian forint 9,170.00 HUF Swedish krona 290.00 SEK
Indian Rupee 2160.00 INR Swiss franc 30.00 CHF
Israeli new shekel 110.00 ILS Thai baht 930.00 THB
Japanese yen 3,260.00 JPY UK pounds sterling 24.00 GBP
Malaysian ringgit 130.00 MYR US dollar 30.00 USD
Mexican peso 600.00 MXN

Currency Conversions
For any of the following types of transactions involving a currency conversion by PayPal, the transaction
exchange rate will also include a currency conversion spread.

Converting payments in another currency

Type of Transaction Currency Conversion Spread
• Paying for goods or services in a currency 4.00%, or such other amount as may be disclosed
other than the currency the goods or services to you during the transaction.
are listed in.
• Sending money to a friend or family member
such that they receive a different currency
from the currency in which you pay.
• Sending money using PayPal Payouts such
that your recipients receive a different
currency from the currency in which you pay.
• All other transactions 3.00%, or such other amount as may be disclosed
to you during the transaction.

E-check Fees
Sometimes the sender of a payment you receive may use an E-check 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-check. When you receive an E-check 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-check fees

Payment Type Rate
Per each payment transaction Commercial Transaction Rates

Maximum fee cap for E-checks

Currency Maximum fee cap
Australian dollar 300.00 AUD
Brazilian real 500.00 BRL
Canadian dollar 300.00 CAD
Czech koruna 5000.00 CZK
Danish krone 1500.00 DKK
Euro 200.00 EUR
Hong Kong dollar 2500.00 HKD
Hungarian forint 54,000.00 HUF
Israeli new shekel 1100.00 ILS
Japanese yen 24,000.00 JPY
Malaysian ringgit 1000.00 MYR
Mexican peso 3500.00 MXN
New Taiwan dollar 9000.00 TWD
New Zealand dollar 400.00 NZD
Norwegian krone 1600.00 NOK
Philippine peso 13,000.00 PHP
Polish zloty 800.00 PLN
Russian ruble 12,000.00 RUB
Singapore dollar 400.00 SGD
Swedish krona 1800.00 SEK
Swiss franc 300.00 CHF
Thai baht 9000.00 THB
UK pounds sterling 200.00 GBP
US dollar 300.00 USD
 Withdrawal Out of PayPal
You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank
account or eligible cards. A currency conversion (and currency conversion spread) may also apply.

Withdrawing a balance from a PayPal business account

Withdrawal/Transfer to Withdrawal/Transfer Type Rate

Bank account • Standard With eligible linked No Fee (when no currency

bank account conversion is involved)

Instant 1.50% of amount transferred

• Withdrawal limits apply • Minimum fee applies based
on the card withdrawal
currency, in the table below
Cards Standard No Fee (when no currency
• With eligible linked debit card conversion is involved)
• Withdrawal limits apply

Instant 1.50% of amount transferred

• With eligible linked debit card • Minimum fee applies based
• Withdrawal limits apply on the card withdrawal
currency, in the table below

Withdrawal Limits – Instant Transfer for Bank

Frequency Maximum (up to)
Per transaction 25,000.00 USD

Withdrawal Limits – Standard and Instant Transfers for Cards

Frequency Maximum (up to)
Per transaction 50,000.00 USD
Per day 100,000.00 USD
Per week 250,000.00 USD
Per month 500,000.00 USD

Minimum fee – Instant Transfer

Based on withdrawal currency:
Currency Minimum Fee
US dollar 0.50 USD
 Other Merchant Fees
Included below are fees associated with events, requests, or actions that may happen when you use your
account.

Other Fees
Activity Description Rate
Bank Return on This fee is charged when a No Fee
Withdrawal/Transfer out of PayPal withdrawal/transfer out of PayPal
is attempted by a user and it fails
because incorrect bank account
information or delivery information
is provided.
Commercial Transaction and Full Refunds • If you refund a
Invoicing Transaction Refunds Commercial Transaction
or an Invoicing
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
or an Invoicing
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 Some users, in order to increase See Credit Card and Debit Card Link
Confirmation(s) their sending limit or as PayPal may and Confirmation Table below.
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.
PayPal Business Debit MasterCard Use of the PayPal Business Debit Please see our PayPal Business
MasterCard is subject to eligibility, Debit MasterCard Cardholder
application, approval by PayPal and Agreement and Privacy Notice
your acceptance of the terms.
PayPal Debit MasterCard Use of the PayPal Debit Please see our PayPal Debit
MasterCard is subject to eligibility, MasterCard Cardholder Agreement
application, approval by PayPal and
your acceptance of the terms.
Credit Card and Debit Card Link and Confirmation Table
Currency Fee Currency Fee
Australian dollar 2.00 AUD New Taiwan dollar 70.00 TWD
Brazilian real 4.00 BRL New Zealand dollar 3.00 NZD
Canadian dollar 2.45 CAD Norwegian krone 15.00 NOK
Czech koruna 50.00 CZK Philippine peso 100.00 PHP
Danish krone 12.50 DKK Polish zloty 6.50 PLN
Euro 1.50 EUR Russian ruble 60.00 RUB
Hong Kong dollar 15.00 HKD Singapore dollar 3.00 SGD
Hungarian forint 400.00 HUF Swedish krona 15.00 SEK
Israeli new shekel 8.00 ILS Swiss franc 3.00 CHF
Japanese yen 200.00 JPY Thai baht 70.00 THB
Malaysian ringgit Not Applicable UK pounds sterling 1.00 GBP
Mexican peso 20.00 MXN US dollar 1.95 USD