Online credit card processing fees

PayPal Payments Standard & Express Checkout

  • 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

Online Invoicing

  • No startup costs, no termination fee, no monthly fees

  • Allows customers to pay you directly from invoices

  • Create online invoices with our free built-in templates

2.9% + $0.30 CAD per Domestic transaction
3.7% + $0.30 USD per US transaction
3.9% + Fixed fee per International transaction

PayPal Payments Pro

  • No startup costs, no termination fee

  • $35 monthly fee

  • You provide customers with a fully customized checkout experience right on your site

  • Includes Virtual Terminal to allow you to accept payments over the phone

2.9% or less* + $0.30 CAD per Domestic transaction
3.7% or less* + $0.30 USD per US transaction
3.9% or less* + Fixed fee per International transaction

Virtual Terminal

  • $35 monthly fee

  • Accept payments over the phone

3.1% or less* + $0.30 per domestic transaction
3.9% or less* + $0.30 USD per US transaction
4.1% or less* + Fixed fee per International transaction

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 both, 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
$99 setup
$0.10 per transaction
Add-on services
Recurring Billing $0 monthly fee $0 per transaction
Advanced Fraud Protection Service $10 monthly fee $0.05 per transaction

Micropayments

If your transactions typically average less than $12, you may be eligible to save money with our ‘5% plus 5¢’ rate. Generally, micropayments include selling digital goods seamlessly from within a game, ebook, article or other digital experience. Here’s an example for a business that usually accepts $2 payments.

Micropayments
(5% plus 5¢)
Standard Rate
(2.9% plus 30¢)
Average payment $2 $2
Your transaction fee $0.15 $0.36
Total cost for 100 payments $15 $36

Sign up for a PayPal Business account online then call us for Micropayments.

Mass Payment

For payments sent to Canada or the US, it’s 2% transaction fee per individual up to a maximum of $1.25. No setup fee. No monthly fee.
For payments sent to countries outside Canada and US, your fees will be 2% of each recipient's payment amount up to a maximum of $24CAD per recipient. Your recipient pays nothing to receive your payment, so they always get the full amount.

Nonprofit Discounts

We offer discount rates to charities registered with the Canadian Revenue agency (CRA).

Canada Fees: 1.6% + $0.30 per domestic transaction**
To apply for the discount, you first must be registered as a charity with the CRA and you’ll need to send the following things to compliance@paypal.com:
  1. A Notification of Registration from the CRA
  2. A blank and/or void cheque showing the bank account number and organization name
  3. Your contact information, including the email address you used to set up your business account
  4. Your business URL

Additional fees

Sales to the US :
0.8% cross-border fee applies to payments received from the US. A currency exchange rate may apply.†
International Sales (excluding the US)
1% cross-border fee applies to payments received from outside Canada and the US. A currency exchange rate may apply.†
Chargeback Fee
$20
Refund Fee: Fixed fee portion of the original transaction fee (for example, the refund fee is $0.30 for domestic payments)

†For more information, please refer to the User Agreement

Merchant Services and Business Products