Upcoming Policy Updates


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Policy Updates

This page informs customers in advance of important changes to the PayPal service, our User Agreement, or other policies. This page displays policy updates with future effective dates. Go to “Past Policy Updates” for previous policy updates.



Updates to the Canada User Agreement and the PayPal Website Payments Pro and Virtual Terminal Agreement (“Pro/VT Agreement”)

Effective Date: October 10, 2017 (unless otherwise noted)


Updates to the Canada User Agreement

We have some exciting updates for you:

·       We’re expanding Seller Protection. Effective immediately, seller protection will now apply transactions where the item is listed in a classified advertisement and the transaction is completed in-person. Buyer protection will not apply to these transactions. Buyers and sellers will continue to be protected against unauthorized transactions.

·       We’re giving you greater choice in how you use PayPal. You will now be able to pick any funding source in your PayPal account as a preferred payment method when shopping with PayPal. We’ve included additional details on which funding source will be used for different types of payment transactions, when you send money to family or friends, and for pre-approved transactions, such as subscriptions.

·       We are making it easier than ever to send money. We are introducing new flat fee pricing for international Personal Payments funded using either your PayPal balance or a bank account and we are simplifying pricing for Personal Payments funded using credit cards or Visa Debit cards.

Country of Recipient's Account

Cross-border fee

Funding Instrument Fee

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 flat fee

No fee

2.9% + fixed fee based on the currency

Any other country

$4.99 CAD flat fee

No fee

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.

These updates will take effect on October 10, 2017, unless otherwise noted. If you do not agree with all or any of these changes, you may close your PayPal account before the change(s) become effective and terminate your relationship with us.


Updates to the Pro/VT Agreement

If you use PayPal Payments Advanced, PayPal Payments Pro, Website Payments Pro, or Virtual Terminal, you will will now be able to accept American Express-branded cards as payment for goods and services you sell. We have updated the language in our Pro/VT Agreement, to describe your additional obligations if you choose to accept American Express credit cards.