Low, flat-rate merchant services fees.
Last Updated: September 9, 2019
PayPal Payments Standard, Express Checkout & Online Invoicing
These fees apply when you sell goods or services (including using PayPal Payments Standard and Express Checkout) and the buyer pays using his/her PayPal account.
No startup costs, no termination fee, no monthly fees
Accept PayPal payments and all major credit cards with PayPal Payments Standard
Accept PayPal payments with Express Checkout
Allows customers to pay you directly from invoices
Create online invoices with our free built-in templates
| If the funds you are receiving are coming from a PayPal account: | then you pay: |
|---|---|
| In Canada | a fee of 2.9% of the transaction amount plus $0.30 CAD. |
| In the U.S. | a fee of 3.7% of the transaction amount plus $0.30 USD. |
| Outside Canada and the U.S. | a fee of 3.9 % of the transaction amount plus a fixed fee based on the currency |
Charitable Organizations
We offer discount rates to charities registered with the Canada Revenue Agency (CRA).
Discount is not applicable to transactions received via PayPal Payments Pro and Virtual Terminal Payments
To apply for the discount, you first must be registered as a charity with the CRA and you’ll need to email the following to compliance@paypal.com:
|
| If you qualify for and receive this discount, and the funds you are receiving are coming from a PayPal account: | then you pay: |
|---|---|
| In Canada and U.S. | a fee of 1.6% of the transaction amount plus a fixed fee based on the currency. |
| Outside Canada and U.S. | a fee of 2.6% of the transaction amount plus a fixed fee based on the currency. |
Fixed fees for PayPal Payments Standard, Express Checkout and Online Invoicing
The fixed fee that applies is based on the currency of the payment.
| 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 Zlotych: | 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. Pounds Sterling: | £0.20 GBP |
| Mexican Peso: | $4.00 MXN | U.S. Dollar: | $0.30 USD |
PayPal Payments Pro
No startup costs, no termination fee
$35 monthly fee + applicable GST/HST
Enables you to provide customers with a fully customized checkout experience on your site
Includes Virtual Terminal to allow you to accept payments over the phone
| 2.9% * + $0.30 CAD per Domestic transaction |
|---|
| 3.7% * + $0.30 USD per US transaction |
| 3.9% * + Fixed fee per International transaction |
| 3.5% for American Express per Domestic, US or International transaction |
Virtual Terminal
$35 monthly fee + applicable GST/HST
Accept payments over the phone
| 3.1% * + $0.30 CAD per domestic transaction |
|---|
| 3.9% * + $0.30 USD per US transaction |
| 4.1% * + Fixed fee per International transaction |
| 3.5% for American Express per Domestic, US or International transaction |
Fixed fees for PayPal Payments Pro and Virtual Terminal
The fixed fee that applies is based on the currency of the payment.
| 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 Zlotych: | 1.35 PLN |
| Danish Koruna: | 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. Pounds Sterling: | £0.20 GBP |
| Mexican Peso: | $4.00 MXN | U.S. Dollar: | $0.30 USD |
Payment Gateway
Start accepting credit cards using your existing merchant account. 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.
| Payflow Link Learn more |
$0 monthly No set-up fee |
$0.10 per transaction |
| Payflow Pro Learn more |
$25 Monthly Fee + applicable GST/HST $99 setup |
$0.10 per transaction |
| Add-on services | ||
| Recurring Billing | $0 monthly fee | Standard transaction fees apply |
| Advanced Fraud Protection Service | $10 monthly fee + applicable GST/HST | $0.05 per transaction |
Micropayments
If your transaction size averages less than $12, you may be eligible to save money with our micropayment processing fees. Micropayments commonly include selling digital goods from within a game, ebook, article or other digital experience.
Fixed fees for Micropayments
The fixed fee that applies is based on the currency of the payment.
| Currency | Fixed Fee | Currency | Fixed Fee |
|---|---|---|---|
| Australian Dollar | $0.05 AUD | New Zealand Dollar: | $0.08 NZD |
| Brazilian Real | 0.10 BRL | Norwegian Krone: | 0.47 NOK |
| Canadian Dollar: | $0.05 CAD | Philippine Peso: | 2.5 PHP |
| Czech Koruna: | 1.67 CZK | Polish Zlotych: | 0.23 PLN |
| Danish Koruna: | 0.43 DKK | Russian Ruble: | 2 RUB |
| Euro: | €0.05 EUR | Singapore Dollar: | $0.08 SGD |
| Hong Kong Dollar: | $0.39 HKD | Swedish Krona: | 0.54 SEK |
| Hungarian Forint: | 15 HUF | Swiss Franc: | 0.09 CHF |
| Israeli Shekel: | 0.20 ILS | Taiwan New Dollar: | 2.00 TWD |
| Japanese Yen: | ¥7 JPY | Thai Baht: | 1.80 THB |
| Malaysian Ringgit: | 0.20 MYR | U.K. Pounds Sterling: | £0.05 GBP |
| Mexican Peso: | $0.55 MXN | U.S. Dollar: | $0.05 USD |
Mass Payment
| For payments sent to Canada or the US, you will be charged a 2% (up to a maximum of $1.25 CAD) transaction fee or the amount in the table below for the applicable foreign currency per individual. No setup fee. No monthly fee. |
| If you send Mass Payments using the Payouts API within Canada or the U.S., your fee is a flat fee of $0.32 CAD per recipient, or the amount in the table below for the applicable foreign currency. |
| For payments sent to countries outside Canada and the US, you will be charged a 2% (up to a maximum of $24 CAD) transaction fee or the amount in the table below for the applicable foreign currency per individual. No setup fee. No monthly fee. The recipient pays nothing to receive your payment, so they always get the full amount. |
Mass Payment fees
The fee that applies is based on the currency of the payment.
| Currency | Domestic and US Mass Payment fees | Domestic and US Mass Payment fees using Payouts API | International Mass Payment fees |
|---|---|---|---|
| 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 Koruna: | 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 HUF | 53 HUF | 6000 HUF |
| Israeli Shekel: | 4.00 ILS | 1.00 ILS | 80.00 ILS |
| Japanese Yen: | ¥120 JPY | ¥30 JPY | ¥2,000 JPY |
| Malaysian Ringgit: | 4 MYR | NA | 80 MYR |
| Mexican Peso: | $11.00 MXN | $2.75 MXN | $300.00 MXN |
| 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 | 1,000.00 PHP |
| Polish Zlotych: | 3.00 PLN | 0.75 PLN | 60.00 PLN |
| Russian Ruble: | 30 RUB | 60 RUB | 600 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 |
| Taiwan New Dollar: | 33.00 TWD | 8 TWD | 800.00 TWD |
| Thai Baht: | 36.00 THB | 9.00 THB | 800.00 THB |
| U.K. Pounds Sterling: | £0.65 GBP | £0.17 GBP | £14.00 GBP |
| U.S. Dollar: | $1.00 USD | $0.25 USD | $20.00 USD |
Additional fees
| Chargeback Fee The Chargeback fee applies when a transaction is charged back to your Account for a payment you received which is not eligible for PayPal Seller protection. The fee that applies is based on the currency of the payment. See chargeback table |
| Refund Fee: Fixed fee portion of the original transaction fee (for example, the refund fee is $0.30 for domestic payments) |
| Withdrawal Conversion Fees for Qualified Merchants: The Merchant Currency Conversion fee applies to the conversion of a U.S. Dollar Balance to Canadian Dollars before you withdraw to your bank account if you qualify for Merchant rates. See Withdrawal Conversion Fees for Qualified Merchants Table |
Chargeback Fee Table
The fee that applies when a transaction is charged back to your Account.
| Currency | Chargeback Fee | Currency | Chargeback Fee |
|---|---|---|---|
| Australian Dollar: | $22.00 AUD | New Zealand Dollar: | $28.00 NZD |
| Brazilian Real: | 35.00 BRL | Norwegian Krone: | 125.00 NOK |
| Canadian Dollar: | $20.00 CAD | Philippine Peso: | 900.00 PHP |
| Czech Koruna: | 400.00 CZK | Polish Zlotych: | 65.00 PLN |
| Danish Krone: | 120.00 DKK | Russian Ruble: | 640 RUB |
| Euro: | €16.00 EUR | Singapore Dollar: | $28.00 SGD |
| Hong Kong Dollar: | $155.00 HKD | Swedish Krona: | 150.00 SEK |
| Hungarian Forint: | 4325.00 HUF | Swiss Franc: | 22.00 CHF |
| Israeli Shekel: | 75.00 ILS | Taiwan New Dollar: | 625.00 TWD |
| Japanese Yen: | ¥1,875.00 JPY | Thai Baht: | 650.00 THB |
| Malaysian Ringgit: | 65 MRY | U.K. Pounds Sterling: | £14.00 GBP |
| Mexican Peso: | 250.00 MXN | U.S. Dollar: | $20.00 USD |
Withdrawal Conversion Fees for Qualified Merchant
The fee that applies to the conversion of a U.S. Dollar Balance to Canadian Dollars before you withdraw it to your bank account, if you have applied and qualify for Merchant rates.
Merchant rates are applied at PayPal’s discretion, and will be applied only once your account is approved.
| Monthly Sales Volume | Currency Conversion Fee |
|---|---|
| $0.01 - $3,000.00 CAD | 2.50% |
| $3,000.01 - $12,000.00 CAD | 1.50% |
| $12,000.01 - $125,000.00 CAD | 1.50% |
| Over $125,000.00 CAD | 1% |
Transferring balance from Business 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 Business 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
Currency conversion fees
For any of the following transactions that involve a currency conversion, the currency conversion fee is a minimum of 3.5% for Canadian or U.S. dollars, or a minimum of 4.0% for all other currencies, or such other amounts as may be disclosed to you during the transaction*:
- 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 3.0%, or such other amounts as may be disclosed to you during the transaction*.
*Residents of Quebec will be charged the minimum applicable rate set out above.