Buying something with PayPal.

It’s free to use PayPal to buy something unless it involves a currency conversion.

Buying online or instore : Free (when no currency conversion is involved).

Sending and receiving money.

It’s free to use PayPal to send or receive money between friends and family in the UK, as long as the payment is funded by a bank account, debit card or PayPal balance, and no currency conversion is involved.

If you fund the payment using a credit card, send money in a different currency or make an international transfer, we charge you, the sender, a small fee. A currency conversion fee may also apply.

We think that’s pretty fair.

Sending or receiving money between friends and family within the UK (in GBP) : Free when funded by the sender’s PayPal balance, bank account or debit card. If you use a credit card to send money, a fee of 3.4% + 20p applies.
Sending or receiving money between friends and family within the UK (in foreign currencies) :

Currency conversion fees apply. If you are using a credit or debit card, a fee of 3.4% + 20p will also apply.

Sending or receiving money to/from friends and family outside the UK : A small fee applies to cross-border payments, depending on where the sender and the recipient are based and how the payment is funded.

Selling with PayPal.

We help process payments for millions of customers worldwide. Our transaction fees are based on your total sales volume and range from 3.4% + 20p to as low as 1.9% + 20p per domestic transaction. So the more you sell, the less you pay.
Check out our volume rates.

And if you’re a charity, you just pay 1.4% + 20p no matter the size of the donation.

Get paid online

From 3.4% to as low as 1.9% + 20p per transaction based on total sales volume.
More about online payments.
Add PayPal to your existing checkout. No monthly fee.
Accept card and PayPal payments on your website. No monthly fee for our standard hosted checkout solution.
£20 monthly for our fully customisable integrated checkout solution including phone payments.
Micropayments Discounts. If your transactions typically average less than £5, you could save money with our 5% + 5p rate.
More about micropayments.

Get paid over the phone

Accept card payments directly over the phone. No website or terminal needed. £20 monthly fee.
From 3.4% to as low as 1.9% + 20p per transaction based on total sales volume.
More about phone payments.

Get paid in person


Accept card and contactless payments with the PayPal Here Card Reader.
No monthly fees or fixed term.
From 2.75% to as low as 1.9% + 20p for payments made using Chip & PIN cards and contactless based on total sales volume.
3.4% + 20p for card payments made by swiping the magnetic strip or manually entering the card details.
More about Paypal Here.

Send invoices

Create and send customisable invoices to your customers. No monthly fees.
From 3.4% to as low as 1.9% + 20p per invoice transaction based on total sales volume.
More about email invoicing.

Accept donations

If you’re a charity, add a donate button to your website to accept cards and PayPal. No monthly fees.
1.4% + 20p per donation for registered charities.

International sales

Additional fees apply for currency conversion and cross-border payments.

Merchant Rate

You can apply for Merchant Rate pricing if you’ve processed more than £1,500 in total payments through PayPal in the previous calendar month and your account is in good standing (not currently under investigation). We will look at your total payments processed to determine your merchant rate on a monthly basis.

Merchant Rate fee table
Your monthly sales up to £1,500 £1,500.01 - £6,000.00 £6,000.01 - £15,000.00 £15,000.01 - £55,000.00 +£55,000
Transaction fee 3.4% + 20p 2.9% + 20p 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing
PayPal Here Card Reader1 2.75% 2.75% 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing

Maintaining your Merchant Rate
After qualifying for Merchant Rate pricing, you need to maintain a payment volume of more than £1,500 to remain eligible for Merchant Rates. In the event that a payment volume of more than £1,500 is not maintained in the previous calendar month, or if you have unresolved chargebacks, you will no longer be eligible for Merchant Rate pricing and Standard Rate pricing will apply. You don’t need to re-apply for Merchant Rate pricing if your payment volume drops below £1,500 in the previous calendar month. Merchant Rate will automatically apply again when you reach the qualifying payment volume.

Application
If you’re interested in the Merchant Rate, log in to your PayPal account and apply via the online application form. In the event that your request is refused, please note that you may only submit an application once every 30 days.

Transferring money in the UK (no currency conversion) Transferring money abroad
Using bank account or PayPal balance Free A cross border fee of between 0.3% and 2% applies, depending on where you’re sending the money.
Using a debit card Free A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.
Using a credit card 3.4% + 20p A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.