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. So the more you sell, the less you pay.

And if you’re a charity, you just pay one small set fee no matter the size of the donation.

Get paid online

However you do business we’ll get you paid.
More about online payments.
Add PayPal to your existing checkout. No monthly fee
From 3.4% to as low as 1.9% + 20p per transaction
based on total sales volume
More about Express Checkout
Add PayPal buttons to your website. No monthly fee
From 3.4% to as low as 1.9% + 20p per transaction
based on total sales volume
More about Website Payments Standard
Accept debit and credit card payments on your website. There are 2 fee structures available for this solution. Please call 0800 368 7177 to speak to a payments specialist.
More about Website Payments Pro.
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. There are 2 fee structures available for this solution. Please call 0800 368 7177 to speak to a payments specialist.
More about payments by phone

Get paid in person


Accept card and contactless payments with the PayPal Here Card Reader.
No monthly fees or fixed term.
Pay from 2.75% to as low as 1.5% per Chip and PIN and contactless transaction based on your 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 Transaction fee
Up to £1,500 3.4% + 20p
£1,500.01 - £6,000.00 2.9% + 20p
£6,000.01 - £15,000.00 2.4% + 20p
£15,000.01 - £55,000.00 1.9% + 20p
+£55,000 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 per month 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 pricing 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.

Get paid in person with PayPal Here

Merchant Rate

You can apply for the below Merchant Rate 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 total monthly sales Blended fee Interchange Plus*
Up to £1,500 2.75% IC+ 2.5%
£1500.01-£,6000 2.75% IC+ 2.5%
£6,000.01 - £15,000 2.0% IC + 1.75%
£15,000.01-£55,000 1.5% IC + 1.25%
£55,000+ Call 0800 358 7929 Call 0800 358 7929

*Actual Interchange costs will vary depending on the type of card used and where it was issued. Interchange fees vary from 0.2% to 2.0%.

There are 2 fee structures available for this solution:

Blended fee structure

The blended fee structure can include two components – a set percentage for each transaction, plus a fixed fee for some transactions. You’ll pay the same rate regardless of the card type used, with PayPal absorbing any fluctuations in the actual cost of performing the transaction. For example, you might be charged 2.75% or 3.4% + 20p depending on the transaction type. You’ll receive the money in your PayPal account as soon as your customer makes the purchase, and that money is usually available immediately to withdraw to a bank account.

The Blended fee structure may be preferred if:

  • Immediate availability of funds on all your transactions is important
  • Predictable transaction costs are essential for planning
  • Quick and simple reconciliation of PayPal and card sales is preferred

Interchange Plus fee structure

The Interchange Plus fee structure can include three components – interchange fees (set by MasterCard and Visa), a set percentage for each transaction, plus a fixed fee for some transactions. Interchange Plus rates apply only to transactions in which your customer has paid you directly with a debit or credit card. Interchange fees may vary depending on the country of issuance, category and type of card used to make the payment. For example, you might be charged interchange + 2.5% or interchange + 3.15% + 20p depending on the transaction type

The Interchange Plus fee structure may be preferred if:

  • The vast majority of your sales are from consumer card types in the UK or from within the European Economic Area where interchange fees are capped.
  • Delay of one to two business days to the availability of your credit and debit card funds is acceptable.
  • Differing settlement times between card sales and PayPal sales doesn’t impact reconciliation.

Maintaining your Merchant Rate
After qualifying for Merchant Rate pricing you need to maintain a payment volume of more than £1,500 per month 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 fees will apply. You don’t need to reapply for Merchant Rate fees if your payment volume drops below £1,500 in the previous calendar month. Merchant Rates will automatically apply again when you reach the qualifying payment volume.

How to apply
If you’re interested in these merchant rates, please log in to your PayPal account and apply via the online application form. If you are declined, please note that you will only be able to reapply in 30 days' time.

Merchant fee structures

There are 2 fee structures available for this solution:

Blended fee structure

The blended fee structure includes two components – a set percentage plus a fixed fee on each transaction. You’ll pay the same rate regardless of the card type used, with PayPal absorbing any fluctuations in the actual cost of performing the transaction. For example, you might be charged 3.4% + 20p for each transaction. You’ll receive the money in your PayPal account as soon as your customer makes the purchase, and that money is usually available immediately to withdraw to a bank account.

The Blended fee structure may be preferred if:

  • Immediate availability of funds on all your transactions is important
  • Predictable transaction costs are essential for planning
  • Quick and simple reconciliation of PayPal and card sales is preferred

Interchange Plus fee structure

The Interchange Plus fee structure includes three components – interchange fees (set by MasterCard and Visa), a set percentage, plus a fixed fee on each transaction. Interchange Plus rates apply only to transactions in which your customer has paid you directly with a debit or credit card. Interchange fees may vary depending on the country of issuance, category and type of card used to make the payment. For example, you might be charged an interchange fee + 2.9% + 20p for each transaction. PayPal doesn’t know what the interchange fee is at the time of the transaction, and only receives interchange fee information from processors at the end of the business day. You’ll usually receive the money in your PayPal account the next business day after the payment has been made.

The Interchange Plus fee structure may be preferred if:

  • The vast majority of your sales are from consumer card types in the UK or from within the European Economic Area where interchange fees are capped.
  • Delay of one to two business days to the availability of your credit and debit card funds is acceptable.
  • Differing settlement times between card sales and PayPal sales doesn’t impact reconciliation.

To talk to a payments specialist, contact us on 0800 368 7177*