PayPal Merchant Fees

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


Last Updated: 7, May 2021

You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. Changes expected to be published on immediate notice, can also be reviewed 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 country/territory.


International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different countries/territories. Certain countries are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Country/Territory Grouping Table.

International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees.

Country Code Table: We may refer to two-letter country/territory codes throughout our fee pages. For a complete listing of PayPal country codes, please access our Country Code Table.

Relevant Country/
Territory

Rates published below apply to PayPal accounts of residents of the following country/territory:

Country/Territory list

Ireland (IE)

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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 Transactions3.40% + fixed fee
QR Code Transactions – 10.01 EUR and above0.90% + fixed fee
QR code Transactions – 10.00 EUR and below1.40% + fixed fee

Receiving international transactions

The fee for receiving domestic commercial and QR Code transactions applies plus the additional percentage-based fee for international commercial transactions.

Additional percentage-based fee for international commercial transactions

Where sender’s country/territory isFee
Canada & US2.00%
Europe I0.50%
Europe II2.00%
Northern Europe0.50%
Rest of the world2.00%

Fixed fee for commercial transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.30 GBP
US dollar0.30 USD

Fixed fee for QR Code transactions 10.01 EUR and above (based on currency received)

CurrencyFee
Australian dollar0.10 AUD
Brazilian real0.20 BRL
Canadian dollar0.10 CAD
Czech koruna3.00 CZK
Danish krone0.70 DKK
Euro0.10 EUR
Hong Kong dollar0.80 HKD
Hungarian forint30.00 HUF
Israeli new shekel0.40 ILS
Japanese yen12.00 JPY
Malaysian ringgit0.70 MYR
Mexican peso2.00 MXN
CurrencyFee
New Taiwan dollar3.00 TWD
New Zealand dollar0.15 NZD
Norwegian krone1.00 NOK
Philippine peso5.00 PHP
Polish zloty0.50 PLN
Russian ruble3.00 RUB
Singapore dollar0.20 SGD
Swedish krona1.00 SEK
Swiss franc0.10 CHF
Thai baht4.00 THB
UK pounds sterling0.10 GBP
US dollar0.10 USD

Fixed fee for QR code transactions 10.00 EUR and below (based on currency received)

CurrencyFee
Australian dollar0.05 AUD
Brazilian real0.10 BRL
Canadian dollar0.05 CAD
Czech koruna1.50 CZK
Danish krone0.35 DKK
Euro0.05 EUR
Hong Kong dollar0.39 HKD
Hungarian forint15.00 HUF
Israeli new shekel0.20 ILS
Japanese yen6.00 JPY
Malaysian ringgit0.20 MYR
Mexican peso0.55 MXN
CurrencyFee
New Taiwan dollar1.50 TWD
New Zealand dollar0.08 NZD
Norwegian krone0.47 NOK
Philippine peso2.50 PHP
Polish zloty0.23 PLN
Russian ruble1.50 RUB
Singapore dollar0.08 SGD
Swedish krona0.50 SEK
Swiss franc0.05 CHF
Thai baht1.80 THB
UK pounds sterling0.05 GBP
US dollar0.05 USD

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Charity Transaction Rates

Charity transaction rates are subject to application and pre-approval by PayPal. Once approved by PayPal, these rates will apply to all commercial transaction payments received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.

Receiving domestic charity transactions

TransactionRate
Ireland (IE)1.90% + fixed fee

Receiving international charity transactions

The fee for receiving domestic charity transactions applies plus the additional percentage-based fee for international commercial transactions.

Fixed fee for charity transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

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Advanced Credit and Debit Card Payments

Use of Advanced Credit and Debit Card Payments is subject to eligibility, application, approval by PayPal and your acceptance of the terms of your country’s/territory’s PayPal Online Card Payment Services Agreement. These rates will apply to all commercial transaction card payments received using Advanced Credit and Debit Card Payments (not as part of the New Checkout Solution). Any reference to “fixed fee” means the fixed fee for commercial transactions.

Receiving domestic transactions using Advanced Credit and Debit Card Payments

Payment typeRate
Blended Pricing Fee Structure:
  • Visa, MasterCard or Maestro card types
1.20% + fixed fee
Interchange Plus Fee Structure:
  • Visa, MasterCard or Maestro card types
Interchange Fee + 1.20% + fixed fee

Interchange fee rates: Approximately ranges from 0.2% to 2.0%. See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.

Receiving international Transactions using Advanced Credit and Debit Card Payments

The fee for receiving domestic transactions using Advanced Credit and Debit Card Payments applies plus the additional percentage-based fee for international commercial transactions. The additional fee does not apply to interchange-based fees under the Interchange Plus Fee Structure.

Interchange fee rates: Approximately ranges from 0.2% to 2.0%. See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.

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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 country’s APM agreement. You must accept the terms of your country’s APM agreement before receiving APM payments.

Our Commercial Transaction Rates apply when you receive APM funded payments. Additionally, if you are using the New Checkout Solution, a reduced rate may apply.

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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

TransactionRate
Domestic PayPal Payouts2.00% of total transaction amount (not to exceed the domestic maximum fee cap below)
International PayPal Payouts in Euro or Swedish Krona between PayPal accounts registered in the European Economic Area2.00% of total transaction amount (not to exceed the domestic maximum fee cap below)
Other 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 dollar16.00 AUD100.00 AUD
Brazilian real24.00 BRL150.00 BRL
Canadian dollar14.00 CAD90.00 CAD
Czech koruna280.00 CZK1700.00 CZK
Danish krone84.00 DKK500.00 DKK
Euro12.00 EUR70.00 EUR
Hong Kong dollar110.00 HKD660.00 HKD
Hungarian forint3080.00 HUF18,500.00 HUF
Israeli new shekel50.00 ILS320.00 ILS
Japanese yen1200.00 JPY8000.00 JPY
Malaysian ringgit50.00 MYR300.00 MYR
Mexican peso170.00 MXN1080.00 MXN
New Taiwan dollar440.00 TWD2700.00 TWD
New Zealand dollar20.00 NZD120.00 NZD
Norwegian krone90.00 NOK540.00 NOK
Philippine peso640.00 PHP3800.00 PHP
Polish zloty46.00 PLN280.00 PLN
Russian ruble480.00 RUB2800.00 RUB
Singapore dollar20.00 SGD120.00 SGD
Swedish krona100.00 SEK640.00 SEK
Swiss franc16.00 CHF100.00 CHF
Thai baht460.00 THB2800.00 THB
UK pounds sterling10.00 GBP60.00 GBP
US dollar14.00 USD90.00 USD

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Micropayments

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 EUR. 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 rate.

Receiving micropayments

TransactionRate
Domestic micropayments5.00% + micropayments fixed fee
International Mass Payments in Euro or Swedish Krona between PayPal accounts registered in the European Economic Area5.00% + micropayments fixed fee
Other International micropayments6.00% + micropayments fixed fee

Micropayments fixed fee

Based on payment currency:

CurrencyFee
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
CurrencyFee
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

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Chargeback Fees

To cover the cost of processing chargebacks, 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).

This fee does not apply if the transaction is covered by the PayPal Seller Protection Policy.

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

Chargeback fees

CurrencyFee
Australian dollar22.00 AUD
Brazilian real35.00 BRL
Canadian dollar20.00 CAD
Czech koruna400.00 CZK
Danish krone120.00 DKK
Euro16.00 EUR
Hong Kong dollar155.00 HKD
Hungarian forint4,325.00 HUF
Israeli new shekel75.00 ILS
Japanese yen1,875.00 JPY
Malaysian ringgit65.00 MYR
Mexican peso250.00 MXN
CurrencyFee
New Taiwan dollar625.00 TWD
New Zealand dollar28.00 NZD
Norwegian krone125.00 NOK
Philippine peso900.00 PHP
Polish zloty65.00 PLN
Russian ruble640.00 RUB
Singapore dollar28.00 SGD
Swedish krona150.00 SEK
Swiss franc22.00 CHF
Thai baht650.00 THB
UK pounds sterling14.00 GBP
US dollar20.00 USD

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Currency Conversions

For information about how we convert currency, please see the User Agreement.

Please access the Currency Converter tool below to indicate the applicable rate that may apply to your transaction. Any rates shown are subject to change based on time and date of the completed transaction.

Currency Converter Tool

Rate
3.00% above the base exchange rate

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ECheque Fees

Sometimes the sender of a payment you receive may use an ECheque 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 ECheques. When you receive an eCheque 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 eCheque fees

CountryRate
Per each payment transactionCommercial Transaction Rates

Maximum fee cap for eCheques

CurrencyAll other applicable countries/territories
Australian dollar7.50 AUD
Brazilian real10.00 BRL
Canadian dollar7.50 CAD
Czech koruna120.00 CZK
Danish krone30.00 DKK
Euro5.00 EUR
Hong Kong dollar38.00 HKD
Hungarian forint1000.00 HUF
Israeli new shekel20.00 ILS
Japanese yen650.00 JPY
Malaysian ringgit20.00 MYR
Mexican peso55.00 MXN
New Taiwan dollar165.00 TWD
New Zealand dollar7.50 NZD
Norwegian krone33.00 NOK
Philippine peso250.00 PHP
Polish zloty16.00 PLN
Russian ruble200.00 RUB
Singapore dollar8.00 SGD
Swedish krona40.00 SEK
Swiss franc6.50 CHF
Thai baht180.00 THB
UK pounds sterling3.50 GBP
US dollar5.00 USD

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Transfers Out of PayPal

You can typically transfer money out of PayPal by standard transfers to your linked bank account or eligible cards. Withdrawal to a bank account or a card may not be possible in all countries. A currency conversion (and currency conversion fees) may also apply.

Transferring balance from a business PayPal account

Transfer toCountry/TerritoryRate
Bank accountIrelandNo Fee (when no currency conversion is involved)

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Other Merchant Fees

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

Other Fees

ActivityDescriptionRate
Bank Return on Transfer out of PayPalThis fee is charged when a transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided.3.00 EUR
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.
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.
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.12.00 EUR (per item)
PayPal Business Debit Mastercard – Cash withdrawal fee

Use of the Business Debit Card is subject to eligibility, application, approval by PayPal and your acceptance of the terms of the PayPal Business Debit Mastercard Cardholder Agreement.
The fee applies to cash withdrawals at an ATM (inside and outside IE). The ATM provider may charge additional fees.2.00 EUR (per transaction)

Credit Card and Debit Card Link and Confirmation Table

CurrencyFee
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 ringgitNot Applicable
Mexican peso20.00 MXN
CurrencyFee
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

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