PayPal Merchant Fees
Last Updated: 17, June 2022
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’.
All information regarding fees for Australian customers is available in our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). To the extent there is any inconsistency between this page, and the CFSGPDS, the latter will prevail.
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
| Australia (AU) |
|---|
Commercial Transaction Rates
When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.
Standard rate for receiving domestic transactions
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
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Commercial Transactions | +1.00% |
| QR Code Transactions – 10.01 AUD and above | +1.00% |
| QR code Transactions – 10.00 AUD and below | No fee |
Fixed fee for commercial transactions (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
Fixed fee for QR Code transactions 10.01 AUD and above (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.10 AUD |
| Brazilian real | 0.20 BRL |
| Canadian dollar | 0.10 CAD |
| Czech koruna | 3.00 CZK |
| Danish krone | 0.70 DKK |
| Euro | 0.10 EUR |
| Hong Kong dollar | 0.80 HKD |
| Hungarian forint | 30.00 HUF |
| Israeli new shekel | 0.40 ILS |
| Japanese yen | 12.00 JPY |
| Malaysian ringgit | 0.70 MYR |
| Mexican peso | 2.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 3.00 TWD |
| New Zealand dollar | 0.15 NZD |
| Norwegian krone | 1.00 NOK |
| Philippine peso | 5.00 PHP |
| Polish zloty | 0.50 PLN |
| Russian ruble | 3.00 RUB |
| Singapore dollar | 0.20 SGD |
| Swedish krona | 1.00 SEK |
| Swiss franc | 0.10 CHF |
| Thai baht | 4.00 THB |
| UK pounds sterling | 0.10 GBP |
| US dollar | 0.10 USD |
Fixed fee for QR code transactions 10.00 AUD and below (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.05 AUD |
| Brazilian real | 0.10 BRL |
| Canadian dollar | 0.05 CAD |
| Czech koruna | 1.50 CZK |
| Danish krone | 0.35 DKK |
| Euro | 0.05 EUR |
| Hong Kong dollar | 0.39 HKD |
| Hungarian forint | 15.00 HUF |
| Israeli new shekel | 0.20 ILS |
| Japanese yen | 6.00 JPY |
| Malaysian ringgit | 0.20 MYR |
| Mexican peso | 0.55 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 2.00 TWD |
| New Zealand dollar | 0.08 NZD |
| Norwegian krone | 0.47 NOK |
| Philippine peso | 2.50 PHP |
| Polish zloty | 0.23 PLN |
| Russian ruble | 1.50 RUB |
| Singapore dollar | 0.08 SGD |
| Swedish krona | 0.50 SEK |
| Swiss franc | 0.05 CHF |
| Thai baht | 1.80 THB |
| UK pounds sterling | 0.05 GBP |
| US dollar | 0.05 USD |
Donation Transaction Rates
When you send or receive donations, such as through Generosity Network fundraisers or otherwise, we call that a “donation”.
Standard rate for receiving domestic donations
| Transaction Type | Rate |
|---|---|
| Donation | 2.60% + fixed fee |
| QR code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates apply |
Receiving international donations
The fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.
Additional percentage-based fee for international donations
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Donation | +1.00% |
| QR code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates apply |
Fixed fee for donations (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
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 and donations received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.
Receiving domestic charity transactions
| Transaction Type | Rate |
|---|---|
| Australia (AU) | 1.10% + fixed fee |
| QR Code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates apply |
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
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Outside of AU | +1.00% |
| QR code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates apply |
Fixed fee for charity transactions (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
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 market’s APM agreement. You must accept the terms of your market’s APM agreement before receiving APM payments.
PayPal Online Card Payment Services
Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of the terms of the PayPal Online Card Payment Services Agreement. These rates will apply to all commercial transaction payments received using PayPal Online Card Payment Services.
Capitalized terms in this section are defined in the PayPal Online Card Services Agreement.
Receiving domestic transactions using PayPal Online Card Payment Services
Receiving international transactions using PayPal Online Card Payment Services
The fee for receiving domestic PayPal Online Card Payment Services transactions applies plus the additional percentage-based fee for international PayPal Online Card Payment Service transactions.
Additional percentage-based fee for international PayPal Online Card Payment Services transactions
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Advanced Credit and Debit Card Payments | +1.85% |
| Website Payments Pro – Hosted Solution | +1.85% |
| Virtual Terminal | +1.00% |
Fixed fee for PayPal Online Card Payment Services transactions (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
Other fees for using PayPal Online Card Payment Services
| Activity | Description | Fee |
|---|---|---|
| Chargeback Protection | Optional Service for Advanced Credit and Debit Card Payments | 0.40% per transaction |
| Website Payments Pro – Hosted Solution or API | Monthly Fee (includes GST) | 25.00 AUD |
| Website Payments Pro – Hosted Solution or API and Virtual Terminal | Monthly Fee (includes GST) | 25.00 AUD |
| Virtual Terminal | Monthly Fee (includes GST) | 25.00 AUD |
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 |
|---|---|
| PayPal Payouts | 2% of total transaction amount (not to exceed the maximum fee cap below) |
Maximum fee cap for PayPal Payouts
Based on payment currency:
| Currency | Domestic Maximum Fee Cap | International Maximum Fee Cap |
|---|---|---|
| Australian dollar | 1.25 AUD | 60.00 AUD |
| Brazilian real | 2.00 BRL | 100.00 BRL |
| Canadian dollar | 1.25 CAD | 60.00 CAD |
| Czech koruna | 24.00 CZK | 1000.00 CZK |
| Danish krone | 6.00 DKK | 300.00 DKK |
| Euro | 0.85 EUR | 40.00 EUR |
| Hong Kong dollar | 7.00 HKD | 400.00 HKD |
| Hungarian forint | 210.00 HUF | 15,000.00 HUF |
| Israeli new shekel | 4.00 ILS | 200.00 ILS |
| Japanese yen | 120.00 JPY | 5000.00 JPY |
| Malaysian ringgit | 4.00 MYR | 200.00 MYR |
| Mexican peso | 11.00 MXN | 750.00 MXN |
| New Taiwan dollar | 33.00 TWD | 2000.00 TWD |
| New Zealand dollar | 1.50 NZD | 75.00 NZD |
| Norwegian krone | 6.75 NOK | 300.00 NOK |
| Philippine peso | 50.00 PHP | 2500.00 PHP |
| Polish zloty | 3.00 PLN | 150.00 PLN |
| Russian ruble | 30.00 RUB | 1500.00 RUB |
| Singapore dollar | 1.60 SGD | 80.00 SGD |
| Swedish krona | 9.00 SEK | 400.00 SEK |
| Swiss franc | 1.30 CHF | 50.00 CHF |
| Thai baht | 36.00 THB | 2000.00 THB |
| UK pounds sterling | 0.65 GBP | 35.00 GBP |
| US dollar | 1.00 USD | 50.00 USD |
Micropayments
Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates will be applicable as an alternative to standard commercial transaction rates for business that process payments under 10.00 AUD. 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
Micropayments fixed fee
Based on payment currency:
| Currency | Fee |
|---|---|
| Australian dollar | 0.05 AUD |
| Brazilian real | 0.10 BRL |
| Canadian dollar | 0.05 CAD |
| Czech koruna | 1.67 CZK |
| Danish krone | 0.43 DKK |
| Euro | 0.05 EUR |
| Hong Kong dollar | 0.39 HKD |
| Hungarian forint | 15.00 HUF |
| Israeli new shekel | 0.20 ILS |
| Japanese yen | 7.00 JPY |
| Malaysian ringgit | 0.20 MYR |
| Mexican peso | 0.55 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 2.00 TWD |
| New Zealand dollar | 0.08 NZD |
| Norwegian krone | 0.47 NOK |
| Philippine peso | 2.50 PHP |
| Polish zloty | 0.23 PLN |
| Russian ruble | 2.00 RUB |
| Singapore dollar | 0.08 SGD |
| Swedish krona | 0.54 SEK |
| Swiss franc | 0.09 CHF |
| Thai baht | 1.80 THB |
| UK pounds sterling | 0.05 GBP |
| US dollar | 0.05 USD |
Chargeback Fees
To cover the cost of processing chargebacks, 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).
This fee does not apply if the transaction is eligible for PayPal Seller Protection.
The chargeback fee is based on the currency received as follows:
Chargeback fees
| Currency | Fee |
|---|---|
| Australian dollar | 15.00 AUD |
| Brazilian real | 20.00 BRL |
| Canadian dollar | 15.00 CAD |
| Czech koruna | 250.00 CZK |
| Danish krone | 60.00 DKK |
| Euro | 11.25 EUR |
| Hong Kong dollar | 75.00 HKD |
| Hungarian forint | 2,000.00 HUF |
| Israeli new shekel | 40.00 ILS |
| Japanese yen | 1,300.00 JPY |
| Malaysian ringgit | 40.00 MYR |
| Mexican peso | 110.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 330.00 TWD |
| New Zealand dollar | 15.00 NZD |
| Norwegian krone | 65.00 NOK |
| Philippine peso | 500.00 PHP |
| Polish zloty | 30.00 PLN |
| Russian ruble | 320.00 RUB |
| Singapore dollar | 15.00 SGD |
| Swedish krona | 80.00 SEK |
| Swiss franc | 10.00 CHF |
| Thai baht | 360.00 THB |
| UK pounds sterling | 7.00 GBP |
| US dollar | 10.00 USD |
Currency Conversions
For information about how we convert currency, please see the user agreement.
The transaction exchange rate used for your currency conversion includes a fee which we charge above the base exchange rate. The fee depends on the type of currency conversion, as follows:
Converting payments when received in another currency
| Rate |
|---|
| 4.00% above the base exchange rate (to form the transaction exchange rate) |
Conversions in all other cases
Rates for all other currency conversions (e.g. when sending payments not in AUD):
| Rate |
|---|
| 3.00% above the base exchange rate (to form the transaction exchange rate) |
eCheque Fees
Sometimes the sender of a payment you receive may use an eCheque as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS) for more information about eCheques. When you receive an eCheque 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 eCheque fees
| Payment Type | Rate |
|---|---|
| Per each payment transaction | Commercial Transaction Rates |
Maximum fee cap for eCheques
| Currency | Maximum fee cap |
|---|---|
| Australian dollar | 50.00 AUD |
| Brazilian real | 75.00 BRL |
| Canadian dollar | 45.00 CAD |
| Czech koruna | 850.00 CZK |
| Danish krone | 250.00 DKK |
| Euro | 35.00 EUR |
| Hong Kong dollar | 330.00 HKD |
| Hungarian forint | 9,250.00 HUF |
| Israeli new shekel | 160.00 ILS |
| Japanese yen | 4,000.00 JPY |
| Malaysian ringgit | 150.00 MYR |
| Mexican peso | 540.00 MXN |
| New Taiwan dollar | 1,350.00 TWD |
| New Zealand dollar | 60.00 NZD |
| Norwegian krone | 270.00 NOK |
| Philippine peso | 1,900.00 PHP |
| Polish zloty | 140.00 PLN |
| Russian ruble | 1,400.00 RUB |
| Singapore dollar | 60.00 SGD |
| Swedish krona | 320.00 SEK |
| Swiss franc | 50.00 CHF |
| Thai baht | 1,400.00 THB |
| UK pounds sterling | 30.00 GBP |
| US dollar | 45.00 USD |
Withdrawals 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 fees) may also apply.
Withdrawing a balance from a business PayPal account
| Withdrawal/Transfer to | Withdrawal/Transfer Type | Rate |
|---|---|---|
| Bank account | Withdrawals made to your U.S. account | 3.00% (when no currency conversion is involved) |
| Cards | Standard | 1.00% of amount transferred |
Minimum and maximum fees
Based on withdrawal currency:
| Currency | Minimum Fee | Maximum Fee |
|---|---|---|
| Armenian Dram | 135.00 AMD | 5250.00 AMD |
| Australian dollar | 0.25 AUD | 10.00 AUD |
| Azerbaijan Manat | 0.45 AZN | 17.50 AZN |
| Bahraini Dinar | 0.10 BHD | 4.00 BHD |
| Belizean Dollar | 0.50 BZD | 20.00 BZD |
| Bulgarian lev | 0.50 BGN | 20.00 BGN |
| Canadian dollar | 0.25 CAD | 10.00 CAD |
| CFA France | 135.00 XOF | 5400.00 XOF |
| Croatian kuna | 2.00 HRK | 70.00 HRK |
| Czech koruna | 5.70 CZK | 230.00 CZK |
| Danish krone | 1.80 DKK | 70.00 DKK |
| Euro | 0.25 EUR | 10.00 EUR |
| Hong Kong dollar | 2.00 HKD | 80.00 HKD |
| Hungarian forint | 70.00 HUF | 2,900.00 HUF |
| Israeli new shekel | 1.00 ILS | 40.00 ILS |
| Japanese yen | 30.00 JPY | 1100.00 JPY |
| Jordanian Dinar | 0.20 JOD | 7.25 JOD |
| Kuwaiti dinar | 1.00 KWD | No Max |
| Kyrgyzstani Som | 22.50 KGS | 850.00 KGS |
| Malaysian ringgit | 1.00 MYR | 40.00 MYR |
| Mexican peso | 5.00 MXN | 200.00 MXN |
| Mozambican Metical | 20.00 MZN | 750.00 MZN |
| New Zealand dollar | 0.40 NZD | 15.00 NZD |
| Norwegian krone | 1.00 NOK | 40.00 NOK |
| Omani Rial | 0.10 OMR | 4.00 OMR |
| Philippine peso | 10.00 PHP | 500.00 PHP |
| Polish zloty | 1.00 PLN | 40.00 PLN |
| Qatari zloty | 1.00 QAR | 40.00 QAR |
| Romania new lei | 1.00 RON | 40.00 RON |
| Russian ruble | 20.00 RUB | 700.00 RUB |
| Rwandan Franc | 250.00 RWF | 10,000.00 RWF |
| Serbian dinar | 25.00 RSD | 1000.00 RSD |
| Singapore dollar | 0.50 SGD | 15.00 SGD |
| South African rand | 3.60 ZAR | 145.00 ZAR |
| Sri Lanka rupee | 50.00 LKR | 1800.00 LKR |
| Swedish krona | 2.50 SEK | 100.00 SEK |
| Thai baht | 8.00 THB | 320.00 THB |
| Tunisian Dinar | 0.75 TND | 27.50 TND |
| Turkish lira | 1.50 TRY | 60.00 TRY |
| Ugandan Shilling | 930.00 UGX | 37,500.00 UGX |
| United Arab Emirates dirham | 0.90 AED | 36.70 AED |
| UK pounds sterling | 0.20 GBP | 8.00 GBP |
| US dollar | 0.25 USD | 10.00 USD |
| Venezuelan Bolivar | 2,000,000.00 VES | 60,000,000.00 VES |
| Zambian Kwacha | 5.50 ZMW | 215.00 ZMW |
| All Other Currencies | No Min | No Max |
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 Withdrawal/Transfer out of PayPal | This fee is charged when a withdrawal/transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided. | 5.00 AUD |
| Commercial Transaction Refunds | Full Refunds |
|
| Partial Refunds |
| |
| Records Request | This fee will apply for requests of information relating to why we had reasonable justification to refuse your payment order. We will not charge you for records requested in connection with your good-faith assertion of an error in your PayPal account. | 10.00 AUD (per item) |
| Security Key Card | This is an electronic device that creates a unique security code that you use to log in to your PayPal account. | 32.95 AUD (per card) |