PayPal Merchant Fees

When you sell with us, you can get some of the most competitive rates in the business.

Last Updated: 31 May 2021

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’.

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

Hong Kong (HK)

Back to top

Commercial Transaction Rates

When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, send or receive a charity donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

Standard rate for receiving domestic transactions

Transaction TypeRate
Commercial Transactions3.90% + fixed fee
QR Code Transactions – 80.01 HKD and above1.20% + fixed fee
QR Code Transactions – 80.00 HKD and below1.70% + fixed fee

Receiving international transactions

Transaction TypeRate
Commercial Transactions4.40% + fixed fee
QR Code Transactions – 80.01 HKD and above1.70% + fixed fee
QR Code Transactions – 80.00 HKD and below1.70% + fixed fee

Fixed fee for commercial transactions (based on currency received)

Australian dollar0.30New Taiwan dollar10.00
Brazilian real0.60New Zealand dollar0.45
Canadian dollar0.30Norwegian krone2.80
Czech koruna10.00Philippine peso15.00
Danish krone2.60Polish zloty1.35
Euro0.35Russian ruble10.00
Hong Kong dollar2.35Singapore dollar0.50
Hungarian forint90.00Swedish krona3.25
Israeli new shekel1.20Swiss franc0.55
Japanese yen40.00Thai baht11.00
Malaysian ringgit2.00UK pounds sterling0.20
Mexican peso4.00US dollar0.30

Fixed fee for QR Code transactions 80.01 HKD and above (based on currency received)

Australian dollar0.10New Taiwan dollar3.00
Brazilian real0.20New Zealand dollar0.15
Canadian dollar0.10Norwegian krone1.00
Czech koruna3.00Philippine peso5.00
Danish krone0.70Polish zloty0.50
Euro0.10Russian ruble3.00
Hong Kong dollar0.80Singapore dollar0.20
Hungarian forint30.00Swedish krona1.00
Israeli new shekel0.40Swiss franc0.10
Japanese yen12.00Thai baht4.00
Malaysian ringgit0.70UK pounds sterling0.10
Mexican peso2.00US dollar0.10

Fixed fee for QR code transactions 80.00 HKD and below (based on currency received)

Australian dollar0.05 AUDNew Taiwan dollar2.00 TWD
Brazilian real0.10 BRLNew Zealand dollar0.08 NZD
Canadian dollar0.05 CADNorwegian krone0.47 NOK
Czech koruna1.50 CZKPhilippine peso2.50 PHP
Danish krone0.35 DKKPolish zloty0.23 PLN
Euro0.05 EURRussian ruble1.50 RUB
Hong Kong dollar0.39 HKDSingapore dollar0.08 SGD
Hungarian forint15.00 HUFSwedish krona0.50 SEK
Israeli new shekel0.20 ILSSwiss franc0.05 CHF
Japanese yen6.00 JPYThai baht1.80 THB
Malaysian ringgit0.20 MYRUK pounds sterling0.05 GBP
Mexican peso0.55 MXNUS dollar0.05 USD

Back to top

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.

Our Commercial Transaction Rates apply when you receive APM funded payments.

Back to top

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

Domestic PayPal Payouts2.00% of total transaction amount (not to exceed the domestic maximum fee cap below)
International PayPal Payouts2.00% of total transaction amount (not to exceed the international maximum fee cap below)

Maximum fee cap for PayPal Payouts

Based on payment currency:

CurrencyDomestic Maximum Fee CapInternational Maximum Fee Cap
Australian dollar1.25 AUD60.00 AUD
Brazilian real2.00 BRL100.00 BRL
Canadian dollar1.25 CAD60.00 CAD
Czech koruna24.00 CZK1000.00 CZK
Danish krone6.00 DKK300.00 DKK
Euro0.85 EUR40.00 EUR
Hong Kong dollar7.00 HKD400.00 HKD
Hungarian forint210.00 HUF15,000.00 HUF
Israeli new shekel4.00 ILS200.00 ILS
Japanese yen120.00 JPY5000.00 JPY
Malaysian ringgit4.00 MYR200.00 MYR
Mexican peso11.00 MXN750.00 MXN
New Taiwan dollar33.00 TWD2000.00 TWD
New Zealand dollar1.50 NZD75.00 NZD
Norwegian krone6.75 NOK300.00 NOK
Philippine peso50.00 PHP2500.00 PHP
Polish zloty3.00 PLN150.00 PLN
Russian ruble30.00 RUB1500.00 RUB
Singapore dollar1.60 SGD80.00 SGD
Swedish krona9.00 SEK400.00 SEK
Swiss franc1.30 CHF50.00 CHF
Thai baht36.00 THB2000.00 THB
UK pounds sterling0.65 GBP35.00 GBP
US dollar1.00 USD50.00 USD

Back to top


Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates can be ideal as an alternative to standard commercial transaction rates for business that process payments under 5.00 HKD. 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 rates.

Receiving micropayments

Domestic micropayments5.00% + micropayments fixed fee
Domestic micropayments for Digital Goods5.50% + micropayments fixed fee
Other International micropayments6.00% + micropayments fixed fee
Other International micropayments for Digital Goods6.00% + micropayments fixed fee

Micropayments fixed fee

Based on payment currency:

Australian dollar0.05 AUD
Brazilian real0.10 BRL
Canadian dollar0.05 CAD
Czech koruna1.67 CZK
Danish krone0.43 DKK
Euro0.05 EUR
Hong Kong dollar0.39 HKD
Hungarian forint15.00 HUF
Israeli new shekel0.20 ILS
Japanese yen7.00 JPY
Malaysian ringgit0.20 MYR
Mexican peso0.55 MXN
New Taiwan dollar2.00 TWD
New Zealand dollar0.08 NZD
Norwegian krone0.47 NOK
Philippine peso2.50 PHP
Polish zloty0.23 PLN
Russian ruble2.00 RUB
Singapore dollar0.08 SGD
Swedish krona0.54 SEK
Swiss franc0.09 CHF
Thai baht1.80 THB
UK pounds sterling0.05 GBP
US dollar0.05 USD

Back to top

Chargeback Fees

For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, 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).

The chargeback fee is based on the currency received as follows:

Chargeback fees

Australian dollar15.00 AUD
Brazilian real20.00 BRL
Canadian dollar15.00 CAD
Czech koruna250.00 CZK
Danish krone60.00 DKK
Euro11.25 EUR
Hong Kong dollar75.00 HKD
Hungarian forint2,000.00 HUF
Israeli new shekel40.00 ILS
Japanese yen1,300.00 JPY
Malaysian ringgit40.00 MYR
Mexican peso110.00 MXN
New Taiwan dollar330.00 TWD
New Zealand dollar15.00 NZD
Norwegian krone65.00 NOK
Philippine peso500.00 PHP
Polish zloty30.00 PLN
Russian ruble320.00 RUB
Singapore dollar15.00 SGD
Swedish krona80.00 SEK
Swiss franc10.00 CHF
Thai baht360.00 THB
UK pounds sterling7.00 GBP
US dollar10.00 USD

Back to top

Dispute Fees

We may charge a Dispute Fee when a buyer files a dispute claim or chargeback for a transaction that was processed through the buyer’s PayPal account or a PayPal checkout solution. Please see the User Agreement for more information about Standard and High Volume Dispute fees.

Dispute fees will be applied in the currency of the original transaction.

Standard Dispute Fees

Australian dollar12.00 AUD
Brazilian real35.00 BRL
Canadian dollar10.00 CAD
Czech koruna185.00 CZK
Danish krone55.00 DKK
Euro7.00 EUR
Hong Kong dollar65.00 HKD
Hungarian forint2450.00 HUF
Indian Rupee580.00 INR
Israeli new shekel30.00 ILS
Japanese yen870.00 JPY
Malaysian ringgit35.00 MYR
Mexican peso160.00 MXN
New Taiwan dollar250.00 TWD
New Zealand dollar13.00 NZD
Norwegian krone75.00 NOK
Philippine peso405.00 PHP
Polish zloty30.00 PLN
Russian ruble600.00 RUB
Singapore dollar11.00 SGD
Swedish krona75.00 SEK
Swiss franc8.00 CHF
Thai baht250.00 THB
UK pounds sterling6.00 GBP
US dollar8.00 USD

High Volume Dispute Fees

Australian dollar24.00 AUD
Brazilian real70.00 BRL
Canadian dollar20.00 CAD
Czech koruna370.00 CZK
Danish krone110.00 DKK
Euro14.00 EUR
Hong Kong dollar130.00 HKD
Hungarian forint4900.00 HUF
Indian Rupee1160.00 INR
Israeli new shekel60.00 ILS
Japanese yen1740.00 JPY
Malaysian ringgit70.00 MYR
Mexican peso320.00 MXN
New Taiwan dollar500.00 TWD
New Zealand dollar26.00 NZD
Norwegian krone150.00 NOK
Philippine peso810.00 PHP
Polish zloty60.00 PLN
Russian ruble1200.00 RUB
Singapore dollar22.00 SGD
Swedish krona150.00 SEK
Swiss franc16.00 CHF
Thai baht500.00 THB
UK pounds sterling12.00 GBP
US dollar16.00 USD

Back to top

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 balance and payments received into another currency

3.00% above the base exchange rate (to form the transaction exchange rate)

Conversions in all other cases

Rates for all currency conversions (e.g. when sending payments not in HKD):

CurrencyRate above the base exchange rate
(to form the transaction exchange rate)
CurrencyRate above the base exchange rate
(to form the transaction exchange rate)
Australian dollar (AUD)4.00%New Taiwan dollar (TWD)4.00%
Brazilian real (BRL)4.00%New Zealand dollar (NZD)4.00%
Canadian dollar (CAD)4.00%Norwegian krone (NOK)4.00%
Czech koruna (CZK)4.00%Philippine peso (PHP)4.00%
Danish krone (DKK)4.00%Polish zloty (PLN)4.00%
Euro (EUR)4.00%Russian ruble (RUB)4.00%
Hong Kong dollar (HKD)4.00%Singapore dollar (SGD)4.00%
Hungarian forint (HUF)4.00%Swedish krona (SEK)4.00%
Israeli new shekel (ILS)4.00%Swiss franc (CHF)4.00%
Japanese yen (JPY)4.00%Thai baht (THB)4.00%
Malaysian ringgit (MYR)4.00%UK pounds sterling (GBP)4.00%
Mexican peso (MXN)4.00%US dollar (USD)4.00%

Back to top

eChecks Fees

Sometimes the sender of a payment you receive may use an eChecks as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the user agreement for more information about eChecks. When you receive an eChecks 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 eChecks fees

Payment TypeRate
Per each payment transactionCommercial Transaction Rates

Maximum fee cap for eChecks

CurrencyMaximum fee cap
Australian dollar50.00 AUD
Brazilian real75.00 BRL
Canadian dollar45.00 CAD
Czech koruna850.00 CZK
Danish krone250.00 DKK
Euro35.00 EUR
Hong Kong dollar330.00 HKD
Hungarian forint9,250.00 HUF
Israeli new shekel160.00 ILS
Japanese yen4,000.00 JPY
Malaysian ringgit150.00 MYR
Mexican peso540.00 MXN
New Taiwan dollar1,350.00 TWD
New Zealand dollar60.00 NZD
Norwegian krone270.00 NOK
Philippine peso1,900.00 PHP
Polish zloty140.00 PLN
Russian ruble1,400.00 RUB
Singapore dollar60.00 SGD
Swedish krona320.00 SEK
Swiss franc50.00 CHF
Thai baht1,400.00 THB
UK pounds sterling30.00 GBP
US dollar45.00 USD

Back to top

Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account. A currency conversion (and currency conversion fees) may also apply.

Withdrawing a balance from a business PayPal account

Withdrawal/Transfer toWithdrawal/Transfer TypeRate
Bank accountWithdrawals made to your local account equal to or greater than 1000.00 HKDNo Fee (when no currency conversion is involved)
Instant Transfer1.00% (of the amount transferred)
  • Minimum Fee = $10.00 HKD
  • Maximum Fee = $100.00 HKD
Withdrawals made to your local account less than 1000.00 HKD3.50 HKD per withdrawal (when no currency conversion is involved)
Withdrawals made to your U.S. account3.00% (when no currency conversion is involved)

Back to top

Other Merchant Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.

Other Fees

Bank Return on Withdrawal/Transfer out of PayPalThis 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.20.00 HKD (per item)
Credit Card and Debit Card Confirmation(s)Some users, in order to increase their sending limit or as PayPal may determine, may be charged a credit card and debit card link and confirmation fee. This amount will be refunded when you successfully complete the credit card or debit card verification process.See Credit Card and Debit Card Link and Confirmation Table below.
Commercial Transaction RefundsFull Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Partial Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Records RequestThis 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.60.00 HKD (per item)

Credit Card and Debit Card Link and Confirmation Table

Australian dollar2.00 AUD
Brazilian real4.00 BRL
Canadian dollar2.45 CAD
Czech koruna50.00 CZK
Danish krone12.50 DKK
Euro1.50 EUR
Hong Kong dollar15.00 HKD
Hungarian forint400.00 HUF
Israeli new shekel8.00 ILS
Japanese yen200.00 JPY
Malaysian ringgit10.00 MYR
Mexican peso20.00 MXN
New Taiwan dollar70.00 TWD
New Zealand dollar3.00 NZD
Norwegian krone15.00 NOK
Philippine peso100.00 PHP
Polish zloty6.50 PLN
Russian ruble60.00 RUB
Singapore dollar3.00 SGD
Swedish krona15.00 SEK
Swiss franc3.00 CHF
Thai baht70.00 THB
UK pounds sterling1.00 GBP
US dollar1.95 USD

Back to top