Policy Updates

 

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Past Policy Updates

 

This page shows important changes that were made to the PayPal service, its User Agreement, or other policies.

*For past policy updates earlier than March 2014, please view this PDF.

 

Amendment to the PayPal User Agreement

Effective Date: February 24, 2015

  1. Paragraph “Withdrawing your balance” in Section 3 (“Additional Fees”) in Exhibit A (“Fees”) of the PayPal User Agreement will be amended as follow in order to specific a Bank Return Fee on Withdrawal for Iceland and Croatia:
     

    Withdrawing your Balance

    Withdrawal Method:

    Fee:

    Withdrawals you make to your U.S. bank account.

    Free

    Automatic transfers we make to your credit card or U.S. bank account.

    Free

    Withdrawals you make to your local bank account.

    Withdrawals you make to your credit card.

    Withdrawal via a physical check sent to you.

    Return Fee if the withdrawal information you provided is incorrect or incomplete.

    Fee varies by country. See Fee Page and select the appropriate country to view Fees.

    Bank Return Fee on Withdrawal in Iceland and Croatia: 3.00 EUR

    If you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out above.

    Withdrawal via PayPal Retiros

    Please see terms and conditions of service.

    Withdrawals you make in USD to your USD- denominated Taiwan bank account using a PayPal partner bank withdrawal service.

    2.5% of the withdrawal amount

     

  1. Paragraph “Currency Conversion” in Section 3 (“Additional Fees”) in Exhibit 1 (“Fees”) of the PayPal User Agreement will be amended as follow in order to update the currency conversion fee for Anguilla, Antigua and Barbuda, Belize, Bolivia, Dominica, Falkland Islands, Grenada, Guyana, Montserrat, Netherlands Antilles, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, Turks and Caicos Islands and Virgin Islands:
     

    Currency Conversion

    Country:

    Fee:

    All countries except as listed below.

    2.5% (added to the exchange rate)

    Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Cayman Islands, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Falkland Islands, Grenada, Guatemala, Guyana, Honduras, Jamaica, Mexico, Montserrat, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, Trinidad & Tobago, Turks and Caicos Islands, Uruguay, Venezuela, Virgin Islands.

    3.5% (added to the exchange rate)

    Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Democratic Rep of the Congo, Cook Islands, Djibouti, Egypt, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, Ivory Coast, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Oman, Qatar, Rwanda, Sao Tome And Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, St. Helena, Swaziland, Tajikistan, Tanzania, Togo, Tunisia, Turkmenistan, Uganda, United Arab Emirates, Yemen, Zambia, Zimbabwe

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    3.5% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments or Payouts), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

    Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Macedonia, Moldova, Montenegro, Serbia, Turkey, Ukraine.

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    4% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments or Payouts), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

    Bhutan, Cambodia, China, Federated States of Micronesia, Hong Kong, India, Indonesia, Japan, Korea, Laos, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Philippines, Samoa, Singapore, Sri Lanka, Taiwan, Thailand, Tonga, Vietnam

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    The Fee depends on the currency into which the amount is converted, as listed in the table below and is added to the exchange rate.

    Currency:

    Fee:

    Argentine Peso:

    4%

    Australian Dollar:

    4%

    Brazilian Real:

    4%

    Canadian Dollar:

    3.5%

    Czech Koruna:

    4%

    Danish Kroner:

    4%

    Euro:

    4%

    Hong Kong Dollar:

    4%

    Hungarian Forint:

    4%

    Indian Rupee:

    4%

    Israeli New Shekel:

    4%

    Japanese Yen:

    4%

    Malaysian Ringgit

    4%

    Mexican Peso:

    4%

    New Zealand Dollar:

    4%

    Norwegian Krone:

    4%

    Philippine Peso:

    4%

    Polish Zloty:

    4%

    Russian Ruble:

    3.5%

    Singapore Dollar:

    4%

    Swedish Krona:

    4%

    Swiss Franc:

    4%

    New Taiwan Dollar:

    4%

    Thai Baht:

    4%

    Turkish Lira:

    4%

    U.K. Pounds Sterling:

    4%

    U.S. Dollar:

    3.5%

    Currency conversion that occurs when receiving other payments (including Mass Payments or Payouts), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

    2.5% added to the exchange rate

    Monaco

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    2.5% above the wholesale exchange rate

    Currency conversion that occurs when receiving other payments (including Mass Payments or Payouts), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

    Between 3.0% and 4.0% above the wholesale exchange rate depending on the currency into which the relevant amount is converted (please refer to the table below).

    Currency and Code

    Currency Conversion Fee

    Argentine Peso (ARS):

    4.0%

    Australian Dollar (AUD):

    4.0%

    Brazilian Real (BRL):

    4.0%

    Canadian Dollar (CAD):

    3.0%

    Czech Koruna (CZK):

    3.5%

    Danish Krone (DKK):

    3.5%

    Euro (EUR):

    3.5%

    Hong Kong Dollar (HKD):

    4.0%

    Hungarian Forint (HUF):

    3.5%

    Israeli Shekel (ILS):

    4.0%

    Japanese Yen (JPY):

    4.0%

    Malaysian Ringgit (MYR):

    4.0%

    Mexican Peso (MXN):

    4.0%

    New Zealand Dollar (NZD):

    4.0%

    Norwegian Krone (NOK):

    3.5%

    Philippine Peso (PHP):

    4.0%

    Polish Zlotych (PLN):

    3.5%

    Russian Ruble (RUB):

    3.5%

    Swedish Krona (SEK):

    3.5%

    Swiss Franc (CHF):

    3.5%

    Taiwan New Dollar (TWD):

    4.0%

    Thai Baht (THB):

    4.0%

    Turkish Lira (TRY):

    3.5%

    U.K. Pounds Sterling (GBP):

    3.5%

    U.S. Dollar (USD):

    3.0%

    When a currency conversion is required, it will be completed at a foreign exchange rate determined by a licensed financial institution, which is adjusted regularly based on market conditions. The exchange rate is adjusted regularly and may be applied immediately and without notice to you. The exchange rate includes a processing Fee expressed as a percentage above the wholesale exchange rate at which PayPal obtains foreign currency, and the processing fee is retained by PayPal. You may have the option (depending on the country you are residing in and the type of funding source) to Opt Out of currency conversion before you complete the transaction by selecting Other Conversion options on the Review Your Information page during checkout.

    Where a currency conversion is offered by PayPal at the point of sale, you will be shown the exchange rate that will be applied to the transaction before you proceed with authorizing the payment transaction. By proceeding with your authorization of the payment transaction you are agreeing to the currency conversion on the basis of the exchange rate. Where a currency conversion is offered at the point of sale by the Merchant, not by PayPal, and you choose to authorize the payment transaction on the basis of the Merchant’s exchange rate and charges, PayPal has no liability to you for that currency conversion.

    Where your payment is funded by a Debit or Credit Card and involves a currency conversion by PayPal, you consent to and authorize PayPal to convert the currency in place of your Credit or Debit card issuer.

     

 

Amendment to the PayPal User Agreement

Effective Date: Nov 18, 2014

  1. Clause 4.3 (“Negative Balances and Multiple Currencies”) of the PayPal User Agreement will be amended as follow:

    4.3 Negative Balances and Multiple Currencies. If your Account has a negative balance, PayPal may set-off the negative balance with any funds that you subsequently add or receive into your Account. If you have multiple currency balances in your Account and one of the currency balances becomes negative for any reason, PayPal may set-off the negative balance by using funds you maintain in a different currency balance. If you open more than one Account, PayPal may set off the negative balance in one Account by using any balance that you maintain in your other Account(s). In the event that a negative balance is offset by PayPal pursuant to this paragraph, it may be bundled with another debit coming out of your Account.
  2. Changes to eligibility requirements (clause 7.2 of the PayPal User Agreement) and Dispute Resolution process (clause 7.5 of the PayPal User Agreement) under PayPal Buyer Protection:

    To be eligible for PayPal Buyer Protection, Users will be able to open a Dispute within 180 Days (with the exception of buyers in Latin America which must open a Dispute within 45 Days) of the date the Users sent the payment.
  3. Clause 7.3 (“Ineligible Items”) of the PayPal User Agreement will be amended as follows:

    7.3 Ineligible Items. PayPal Buyer Protection only applies to PayPal payments for certain tangible, physical goods. Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:

    1. Intangible items, including Digital Goods (subject to exceptions as listed in Section 7.6)
    2. Services
    3. Real estate
    4. Businesses (when you buy a business)
    5. Vehicles, including motorcycles, caravans, aircrafts and boats
    6. Custom made items with SNAD issues
    7. Travel tickets, including airline flight tickets
    8. Items that violate PayPal's Acceptable Use Policy
    9. Purchases made on eBay that violate eBay's Prohibited or Restricted Items Policy
    10. Items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
    11. Industrial machinery used in manufacturing
    12. Items equivalent to cash, including prepaid or gift cards
    13. Personal Payments
  4. Section 9 (“PayPal Seller Protection”) of the PayPal User Agreement will be amended to reflect that Sellers who sell or market to buyers in other countries should read the PayPal Buyer Protection policies of the countries in which the target buyers are based as these policies will apply to them as a Payment Recipient or Seller.
  5. Clause 11.1(b) (“Liability for Claims under PayPal Buyer Protection”) of the PayPal User Agreement will be amended as follows:
    1. Liability for Claims under PayPal Buyer Protection. If you are a Seller and you lose a Claim filed directly with PayPal, you will be required to reimburse PayPal for your liability. Where you receive payment from a PayPal Account holder in another country and we determine under the Buyer Protection policy of that country that the funds received should be returned or reversed, you will be required to reimburse PayPal for your liability (before receiving payment from a PayPal Account holder in another country, you should review the relevant PayPal Buyer Protection policies available here). Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal Fees that you were charged for the transaction. PayPal Seller Protection will cover your liability for eligible Claims based on Item not Received, and eligible Unauthorized Transactions - see Section 9 (PayPal Seller Protection) above.

      If a buyer files a Significantly Not as Described (SNAD) Claim for an item he or she purchased from you, you will generally be required to accept the item back and refund the buyer the full purchase price plus original shipping costs. You will not receive a refund on your PayPal Fees. Further, if you lose a SNAD Claim because we, in our sole discretion, reasonably believe the item you sold is counterfeit, you will be required to provide a full refund to the buyer and you will not receive the item back. In some cases (for instance, if you lose a SNAD Claim because the item you sold is counterfeit) you might not receive the item back from the buyer (for instance, it may be disposed of or otherwise irreversibly dealt with). PayPal Seller Protection will not cover your liability for SNAD Claims.
  6. Exhibit A – Fees of the PayPal User Agreement will be amended to include Payout Fees:
    1. Mass Payments / Payouts Fee.

      Activity

      Country

      Mass Payments / Payouts Fee

      Sending Mass Payments or Payouts

      All countries except as listed below

      Domestic payments:

      2% of the payment up to a Maximum Mass Payment/Payout Fee* per recipient as listed below.

      International payments:

      Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

      Domestic payments:

      2% of the payment up to a Maximum Mass Payment/Payout Fee per recipient as listed below**.

      International payments:

      2% of the payment up to a Maximum Mass Payment/Payout Fee per recipient as listed below***.

      Hong Kong, China, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand

      Domestic payments (if available):

      2% of the payment up to a Maximum Mass Payment/Payout Fee* per recipient as listed below.

      International payments:

      2% of the payment up to a Maximum Mass Payment/Payout Fee* per recipient as listed below****.

      *Maximum Mass Payments / Payouts Fee

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $1.25 AUD

      Brazilian Real:

      R$2.00 BRL

      Canadian Dollar:

      $1.25 CAD

      Czech Koruna:

      24.00 CZK

      Danish Kroner:

      6.00 DKK

      Euro:

      €0.85 EUR

      Hong Kong Dollar:

      $7.00 HKD

      Hungarian Forint:

      210.00 HUF

      Israeli New Shekel:

      4.00 ILS

      Japanese Yen:

      ¥120.00 JPY

      Malaysian Ringgit:

      4.00 MYR

      Mexican Peso:

      11.00 MXN

      New Zealand Dollar:

      $1.50 NZD

      Norwegian Krone:

      6.75 NOK

      Philippine Peso:

      50.00 PHP

      Polish Zloty:

      3.00 PLN

      Russian Ruble:

      30 RUB

      Singapore Dollar:

      $1.60 SGD

      Swedish Krona:

      9.00 SEK

      Swiss Franc:

      1.30 CHF

      Turkish Lira:

      1.50 TRY

      U.K. Pounds Sterling:

      £0.65 GBP

      U.S. Dollar:

      $1.00 USD

      **Maximum Mass Payments / Payouts Fee for domestic payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $8 AUD

      Brazilian Real:

      R $12 BRL

      Canadian Dollar:

      $7 CAD

      Czech Koruna:

      140 CZK

      Danish Krone:

      42 DKK

      Euro:

      €6 EUR

      Hong Kong Dollar:

      $55 HKD

      Hungarian Forint:

      1540 HUF

      Israeli Shekel:

      25 ILS

      Japanese Yen:

      ¥600 JPY

      Malaysian Ringgit:

      25 MYR

      Mexican Peso:

      85 MXN

      New Zealand Dollar:

      $10 NZD

      Norwegian Krone:

      45 NOK

      Philippine Peso:

      320 PHP

      Polish Zlotych:

      23 PLN

      Russian Ruble:

      240 RUB

      Singapore Dollar:

      $10 SGD

      Swedish Krona:

      50 SEK

      Swiss Franc:

      8 CHF

      Taiwan New Dollar:

      $220 TWD

      Thai Baht:

      230 THB

      Turkish Lira:

      12 TRY

      U.K. Pounds Sterling:

      £5 GBP

      U.S. Dollar:

      $7 USD

      ***Maximum Mass Payments / Payouts Fee for international payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $50 AUD

      Brazilian Real:

      R $75 BRL

      Canadian Dollar:

      $45 CAD

      Czech Koruna:

      850 CZK

      Danish Krone:

      250 DKK

      Euro:

      €35 EUR

      Hong Kong Dollar:

      $330 HKD

      Hungarian Forint:

      9250 HUF

      Israeli Shekel:

      160 ILS

      Japanese Yen:

      ¥4000 JPY

      Malaysian Ringgit:

      150 MYR

      Mexican Peso:

      540 MXN

      New Zealand Dollar:

      $60 NZD

      Norwegian Krone:

      270 NOK

      Philippine Peso:

      1900 PHP

      Polish Zlotych:

      140 PLN

      Russian Ruble:

      1400 RUB

      Singapore Dollar:

      $60 SGD

      Swedish Krona:

      320 SEK

      Swiss Franc:

      50 CHF

      Taiwan New Dollar:

      $1350 TWD

      Thai Baht:

      1400 THB

      Turkish Lira:

      80 TRY

      U.K. Pounds Sterling:

      $30 GBP

      U.S. Dollar:

      $45 USD

      ****Maximum Mass Payments / Payouts Fee for international payments from: China, Hong Kong, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand

       

      Currency:

      Maximum Fee Per Recipient:

      Australian Dollar:

      $60 AUD

      Brazilian Real:

      R$100 BRL

      Canadian Dollar:

      $60 CAD

      Czech Koruna:

      1000 CZK

      Danish Kroner:

      300 DKK

      Euro:

      €40 EUR

      Hong Kong Dollar:

      $400 HKD

      Hungarian Forint:

      15,000 HUF

      Israeli Shekel:

      200 ILS

      Japanese Yen:

      ¥5,000 JPY

      Malaysian Ringgit:

      200 MYR

      Mexican Peso:

      750 MXN

      New Zealand Dollar:

      $75 NZD

      Norwegian Krone:

      300 NOK

      Philippine Peso:

      2,500 PHP

      Polish Zloty:

      150 PLN

      Russian Ruble:

      1500 RUB

      Singapore Dollar:

      $80 SGD

      Swedish Krona:

      400 SEK

      Swiss Franc:

      50 CHF

      New Taiwan Dollar:

      $2,000 TWD

      Thai Baht:

      2,000 THB

      Turkish Lira:

      75.00 TRY

      U.K. Pounds Sterling:

      £35 GBP

      U.S. Dollar:

      $50 USD

       

 

Amendment to the PayPal User Agreement

Effective Date: October 8, 2014

  1. The definition of Automatic Transfer Countries is amended as follows:
    "Automatic Transfer Countries" means Albania, Algeria, Antigua and Barbuda, Barbados, Belize, Bosnia and Herzegovina, Dominica, Egypt, Fiji, French Polynesia, Grenada, Malawi, New Caledonia, Palau, Saint Kitts and Nevis, Saint Lucia, Seychelles, Trinidad and Tobago, Turks and Caicos.
  1. Section 2 (“Commercial Payment Fees”) of Exhibit A – Fees of the PayPal User Agreement is amended as follows:

    A Commercial Payment includes the following:

    • A payment for the sale of goods or services;
    • A payment received after the Seller has used the ”Request Payment” tab on the PayPal website; or
    • A payment that is sent to, or received by, a business or other commercial or non-profit entity.

    Activity

    Country

    Commercial Payments Fee

    Receiving Commercial Payments

    All countries except as listed below

    Domestic payments:

    Standard Rate:

    3.4% + Fixed Fee

    Merchant Rate*:

    From 2.4% to 3.4% + Fixed Fee

    International payments:

    Standard Rate:

    3.9% + Fixed Fee

    Merchant Rate**:

    From 2.9% to 3.9% + Fixed Fee

    Albania
    Andorra
    Bosnia and Herzegovina
    Croatia
    Georgia
    Iceland
    Moldova
    Monaco
    Serbia
    Turkey

    Domestic payments:

    Standard Rate:

    3.4% + Fixed Fee

    Merchant Rate*:

    From 2.4% to 3.4% + Fixed Fee

    International payments:

    See table below.

    Argentina (international payments only)
    Bahamas
    Bermuda
    Cayman Islands
    Chile
    Colombia
    Costa Rica
    Dominican Republic
    Ecuador
    El Salvador
    Guatemala
    Honduras
    Jamaica
    Nicaragua
    Panama
    Peru
    Uruguay
    Venezuela

    Domestic payments and international payments:

    Standard Rate: 5.4% + Fixed Fee

    Merchant Rate: From 4.4% to 5.4% + Fixed Fee

    China
    Hong Kong
    India
    Indonesia
    Malaysia
    Philippines
    Singapore
    Taiwan
    Thailand
    Vietnam

    Domestic payments: (where applicable)

    Standard Rate#:

    3.9% + Fixed Fee

    Standard eBay Rate##:

    3.4% + Fixed Fee

    Merchant Rate#*:

    From 2.9% to 3.9% + Fixed Fee

    Merchant eBay Rate##*:

    From 2.4% to 3.4% + Fixed Fee

    International payments:

    Standard Rate#:

    4.4% + Fixed Fee

    Standard eBay Rate##:

    3.9% + Fixed Fee

    Merchant Rate#*:

    From 3.4% to 4.4% + Fixed Fee

    Merchant eBay Rate##*:

    From 2.9% to 3.9% + Fixed Fee

    Automatic Transfer Countries except for: Albania, Bosnia and Herzegovina and Egypt

    Domestic payments and international payments:

    Standard Rate:

    4.9% + Fixed Fee

    Merchant Rate*:

    From 3.9% to 4.9% + Fixed Fee

    Japan

    Domestic payments:

    Standard Rate:

    3.6% + Fixed Fee

    Merchant Rate*:

    From 2.9% to 3.6% + Fixed Fee

    International payments:

    Standard Rate:

    3.9% + Fixed Fee

    Merchant Rate*:

    From 2.9% to 3.9% + Fixed Fee

    Mexico

    Domestic payments:

    Standard Rate:

    4.0% + Fixed Fee

    Merchant Rate*:

    From 3.0% to 4.0% + Fixed Fee

    International payments:

    Standard Rate:

    4.5% + Fixed Fee

    Merchant Rate*:

    From 3.5% to 4.5% + Fixed Fee

     

     

     

    Morocco

    Domestic payments and international payments:

    Standard Rate:

    4.4% + Fixed Fee

    Merchant Rate*:

    From 3.4% to 4.4% + Fixed Fee

    Fixed Fee

    All countries

    Currency:

    Fee:

    Australian Dollar:

    $0.30 AUD

    Brazilian Real:

    R$0.60 BRL

    Canadian Dollar:

    $0.30 CAD

    Czech Koruna:

    10.00 CZK

    Danish Kroner:

    2.60 DKK

    Euro:

    €0.35 EUR

    Hong Kong Dollar:

    $2.35 HKD

    Hungarian Forint:

    90.00 HUF

    Israeli New Shekel:

    1.20 ILS

    Japanese Yen:

    ¥40.00 JPY

    Malaysian Ringgit:

    2.00 MYR

    Mexican Peso:

    4.00 MXN

    New Zealand Dollar:

    $0.45 NZD

    Norwegian Krone:

    2.80 NOK

    Philippine Peso:

    15.00 PHP

    Polish Zloty:

    1.35 PLN

    Russian Ruble:

    10 RUB

    Singapore Dollar:

    $0.50 SGD

    Swedish Krona:

    3.25 SEK

    Swiss Franc:

    0.55 CHF

    New Taiwan Dollar:

    $10.00 TWD

    Thai Baht:

    11.00 THB

    Turkish Lira:

    0.45 TRY

    U.K. Pounds Sterling:

    £0.20 GBP

    U.S. Dollar:

    $0.30 USD

    *To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.

    # excludes transactions on eBay website, Website Payments Pro - Hosted Solution, Virtual Terminal, PayPal Here and carrier billing products.

    ## for transactions on eBay website only.

    Receiving International Commercial Payments in Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey.

    The Fee depends on the buyer’s country.

    Activity

    Seller’s Country

    Buyer’s Country

    Fee

    Receiving
    Commercial
    Payments

    Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey


    Northern Europe*:

    Standard Rate:

    3.8% + Fixed Fee

    Merchant Rate^:

    From 2.8% to 3.8% + Fixed Fee

    U.S, Canada, Europe I **:

    Standard Rate:

    3.9%+ Fixed Fee

    Merchant Rate^:

    From 2.9% to 3.9% + Fixed Fee

    Europe II ***:

    Standard Rate:

    4.4% + Fixed Fee

    Merchant Rate^:

    From 3.4% to 4.4% + Fixed Fee

    All other countries:

    Standard Rate:

    4.9% + Fixed Fee

    Merchant Rate^:

    From 3.9% to 4.9% + Fixed Fee

    Fixed Fee

     

    See in table above

    * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

    ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany, Gibraltar, Greece, Ireland, Italy , Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, , San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

    *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Turkey, Ukraine.

    ^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria click here. To apply for Merchant Rate click here.

    ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

    Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or in Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.

  1. Section 3 (“Additional Fees”) of Exhibit A – Fees of the PayPal User Agreement is amended as follows:

    Activity

    Additional Fees

    Currency Conversion

    Country:

    Fee:

    All countries except as listed below.

    2.5% (added to the exchange rate)

    Argentina, Aruba, Bahamas, Barbados, Bermuda, Cayman Islands, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Jamaica, Mexico, Nicaragua, Panama, Paraguay, Peru, Trinidad & Tobago, Uruguay, Venezuela.

    3.5% (added to the exchange rate)

    Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Democratic Rep of the Congo, Cook Islands, Djibouti, Egypt, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, Ivory Coast, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Oman, Qatar, Rwanda, Sao Tome And Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, St. Helena, Swaziland, Tajikistan, Tanzania, Togo, Tunisia, Turkmenistan, Uganda, United Arab Emirates, Yemen, Zambia, Zimbabwe

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    3.5% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

    Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Macedonia, Moldova, Montenegro, Serbia, Turkey, Ukraine.

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    4% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

    Bhutan, Cambodia, China, Federated States of Micronesia, Hong Kong, India, Indonesia, Japan, Korea, Laos, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Philippines, Samoa, Singapore, Sri Lanka, Taiwan, Thailand, Tonga, Vietnam

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    The Fee depends on the currency into which the amount is converted, as listed in the table below and is added to the exchange rate.

    Currency:

    Fee:

    Argentine Peso:

    4%

    Australian Dollar:

    4%

    Brazilian Real:

    4%

    Canadian Dollar:

    3.5%

    Czech Koruna:

    4%

    Danish Kroner:

    4%

    Euro:

    4%

    Hong Kong Dollar:

    4%

    Hungarian Forint:

    4%

    Indian Rupee:

    4%

    Israeli New Shekel:

    4%

    Japanese Yen:

    4%

    Malaysian Ringgit

    4%

    Mexican Peso:

    4%

    New Zealand Dollar:

    4%

    Norwegian Krone:

    4%

    Philippine Peso:

    4%

    Polish Zloty:

    4%

    Russian Ruble:

    3.5%

    Singapore Dollar:

    4%

    Swedish Krona:

    4%

    Swiss Franc:

    4%

    New Taiwan Dollar:

    4%

    Thai Baht:

    4%

    Turkish Lira:

    4%

    U.K. Pounds Sterling:

    4%

    U.S. Dollar:

    3.5%

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

    2.5% added to the exchange rate

    Monaco

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    2.5% above the wholesale exchange rate

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

    Between 3.0% and 4.0% above the wholesale exchange rate depending on the currency into which the relevant amount is converted (please refer to the table below).

    Currency and Code

    Currency Conversion Fee

    Argentine Peso (ARS):

    4.0%

    Australian Dollar (AUD):

    4.0%

    Brazilian Real (BRL):

    4.0%

    Canadian Dollar (CAD):

    3.0%

    Czech Koruna (CZK):

    3.5%

    Danish Krone (DKK):

    3.5%

    Euro (EUR):

    3.5%

    Hong Kong Dollar (HKD):

    4.0%

    Hungarian Forint (HUF):

    3.5%

    Israeli Shekel (ILS):

    4.0%

    Japanese Yen (JPY):

    4.0%

    Malaysian Ringgit (MYR):

    4.0%

    Mexican Peso (MXN):

    4.0%

    New Zealand Dollar (NZD):

    4.0%

    Norwegian Krone (NOK):

    3.5%

    Philippine Peso (PHP):

    4.0%

    Polish Zlotych (PLN):

    3.5%

    Russian Ruble (RUB):

    3.5%

    Swedish Krona (SEK):

    3.5%

    Swiss Franc (CHF):

    3.5%

    Taiwan New Dollar (TWD):

    4.0%

    Thai Baht (THB):

    4.0%

    Turkish Lira (TRY):

    3.5%

    U.K. Pounds Sterling (GBP):

    3.5%

    U.S. Dollar (USD):

    3.0%

    When a currency conversion is required, it will be completed at a foreign exchange rate determined by a licensed financial institution, which is adjusted regularly based on market conditions. The exchange rate is adjusted regularly and may be applied immediately and without notice to you. The exchange rate includes a processing Fee expressed as a percentage above the wholesale exchange rate at which PayPal obtains foreign currency, and the processing fee is retained by PayPal. You may have the option (depending on the country you are residing in and the type of funding source) to Opt Out of currency conversion before you complete the transaction by selecting Other Conversion options on the Review Your Information page during checkout.

    Where a currency conversion is offered by PayPal at the point of sale, you will be shown the exchange rate that will be applied to the transaction before you proceed with authorizing the payment transaction. By proceeding with your authorization of the payment transaction you are agreeing to the currency conversion on the basis of the exchange rate. Where a currency conversion is offered at the point of sale by the Merchant, not by PayPal, and you choose to authorize the payment transaction on the basis of the Merchant’s exchange rate and charges, PayPal has no liability to you for that currency conversion.

    Where your payment is funded by a Debit or Credit Card and involves a currency conversion by PayPal, you consent to and authorize PayPal to convert the currency in place of your Credit or Debit card issuer.

    Withdrawing your Balance

    Withdrawal Method :

    Fee :

    Withdrawals you make to your U.S. bank account.

    Free

    Automatic transfers we make to your credit card or U.S. bank account.

    Free

    Withdrawals you make to your local bank account.

    Withdrawals you make to your credit card.

    Withdrawal via a physical check sent to you.

    Return Fee if the withdrawal information you provided is incorrect or incomplete.

    Fee varies by country. See Fee Page and select the appropriate country to view Fees.

    If you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out above.

    Withdrawal via PayPal Retiros

    Please see terms and conditions of service.

    Withdrawals you make in USD to your USD- denominated Taiwan bank account using a PayPal partner bank withdrawal service.

    2.5% of the withdrawal amount

     

    Receiving eChecks

    For sellers in the countries listed below, there is a maximum fee per payment for receiving eCheck-funded payments as follows. The cap depends on the currency of the payment:

    China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam

    Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey

    Currency :

    Fee :

    Australian Dollar:

    50.00 AUD

    Brazilian Real:

    75.00 BRL

    Canadian Dollar:

    45.00 CAD

    Czech Koruna:

    850.00 CZK

    Danish Krone:

    250.00 DKK

    Euro:

    35.00 EUR

    Hong Kong Dollar:

    330.00 HKD

    Hungarian Forint:

    9250 HUF

    Israeli New Shekel:

    160.00 ILS

    Japanese Yen:

    4000 JPY

    Malaysian Ringgit:

    150.00 MYR

    Mexican Peso:

    540.00 MXN

    New Zealand Dollar:

    60.00 NZD

    Norwegian Krone:

    270.00 NOK

    Philippine Peso:

    1900.00 PHP

    Polish Zloty:

    140.00 PLN

    Russian Ruble:

    1400.00 RUB

    Singapore Dollar:

    60.00 SGD

    Swedish Krona:

    320.00 SEK

    Swiss Franc:

    50.00 CHF

    Taiwan New Dollar:

    1350.00 TWD

    Thai Baht:

    1400.00 THB

    Turkish Lira:

    80.00 TRY

    U.K. Pounds Sterling:

    30.00 GBP

    U.S. Dollar:

    45.00 USD

    Chargebacks

    All countries except as listed below

    Currency :

    Fee :

    Australian Dollar:

    $15.00 AUD

    Brazilian Real:

    R$20.00 BRL

    Canadian Dollar:

    $15.00 CAD

    Czech Koruna:

    250.00 CZK

    Danish Kroner:

    60.00 DKK

    Euro:

    €11.25 EUR

    Hong Kong Dollar:

    $75.00 HKD

    Hungarian Forint:

    2000.00 HUF

    Israeli New Shekel:

    40.00 ILS

    Japanese Yen:

    ¥1300.00 JPY

    Malaysian Ringgit:

    40.00 MYR

    Mexican Peso:

    110.00 MXN

    Norwegian Krone

    65.00 NOK

    New Zealand Dollar:

    $15.00 NZD

    Philippine Peso:

    500.00 PHP

    Polish Zloty:

    30.00 PLN

    Russian Ruble:

    320.00 RUB

    Singapore Dollar:

    $15.00 SGD

    Swedish Krona:

    80.00 SEK

    Swiss Franc:

    10.00 CHF

    New Taiwan Dollar:

    $330.00 TWD

    Thai Baht:

    360.00 THB

    Turkish Lira:

    15.00 TRY

    U.K. Pounds Sterling:

    £7.00 GBP

    U.S. Dollar:

    $10.00 USD

     

    Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey

    Currency :

    Fee:

    Australian Dollar:

    22.00 AUD

    Brazilian Real:

    35.00 BRL

    Canadian Dollar:

    20.00 CAD

    Czech Koruna:

    400.00 CZK

    Danish Kroner:

    120.00 DKK

    Euro:

    16.00 EUR

    Hong Kong Dollar:

    155.00 HKD

    Hungarian Forint:

    4325 HUF

    Israeli New Shekel:

    75.00 ILS

    Japanese Yen:

    1875 JPY

    Malaysian Ringgit:

    65.00 MYR

    Mexican Peso:

    250.00 MXN

    Norwegian Krone

    125.00 NOK

    New Zealand Dollar:

    28.00 NZD

    Philippine Peso:

    900.00 PHP

    Polish Zloty:

    65.00 PLN

    Russian Ruble:

    640.00 RUB

    Singapore Dollar:

    28.00 SGD

    Swedish Krona:

    150.00 SEK

    Swiss Franc:

    22.00 CHF

    Taiwan New Dollar:

    625.00 TWD

    Thai Baht:

    650.00 THB

    Turkish Lira:

    30.00 TRY

    U.K. Pounds Sterling:

    14.00 GBP

    U.S. Dollar:

    20.00 USD

    The Chargeback Fee is charged at the time a Chargeback is applied to your Account for a payment you receive. If you are eligible for PayPal Seller Protection for that payment, the Fee is waived. The Fee is based on the currency received.

    Credit Card and Debit Card Confirmation

    Currency:

    Fee :

    Australian Dollar:

    $2.00 AUD

    Brazilian Real:

    R 4.00 BRL

    Canadian Dollar:

    $2.45 CAD

    Czech Koruna:

    50.00 CZK

    Danish Kroner:

    12.50 DKK

    Euro:

    €1.50 EUR

    Hong Kong Dollar:

    $15.00 HKD

    Hungarian Forint:

    400.00 HUF

    Israeli New Shekel:

    8.00 ILS

    Japanese Yen:

    ¥200.00 JPY

    Malaysian Ringgit:

    10.00 MYR

    Mexican Peso:

    20.00 MXN

    New Zealand Dollar:

    $3.00 NZD

    Norwegian Krone:

    15.00 NOK

    Philippine Peso:

    100.00 PHP

    Polish Zloty:

    6.50 PLN

    Russian Ruble:

    60 RUB

    Singapore Dollar:

    $3.00 SGD

    Swedish Krona:

    15.00 SEK

    Swiss Franc:

    3.00 CHF

    New Taiwan Dollar:

    $70.00 TWD

    Thai Baht:

    70.00 THB

    Turkish Lira:

    3.00 TRY

    U.K. Pounds Sterling:

    £1.00 GBP

    U.S. Dollar:

    $1.95 USD

    In some instances, PayPal may require you to verify control of your credit card or debit card. In order to do so, PayPal makes a charge to your credit card or debit card and then requires you to verify the code associated with the charge. This amount will be refunded when you successfully complete the credit card or debit card verification process.

    Records Requests Fee

    $10.00 SGD (per item), or other currency equivalent.

    We will not charge you for records requested in connection with your good-faith assertion of an error in your Account.

  1. Section 4 (“Fees for Other Pricing Categories”) of Exhibit A – Fees of the PayPal User Agreement is amended as follows:
    1. Micropayments Pricing. PayPal offers two micropayments pricing programs: (i) Micropayments Fees; and (ii) Micropayments for Digital Goods Fees.

      (i) Micropayments Fees. If you have signed up for Micropayments Fees, then the following Fees apply to all the Commercial Payments you receive. If you have both a Micropayments Fees enabled Account and a standard pricing Account, it is your responsibility to correctly route your payments to the appropriate Account, and once a transaction is processed through the Account you selected, you may not request that the transaction be processed through a different Account.
       

      Activity

      Country

      Micropayments Fee

      Receiving Commercial Payments

      All countries (where Micropayments Fees are available)

      Domestic payments:
      5% + Micropayments Fixed Fee

      International payments:
      6%+ Micropayments Fixed Fee

      Micropayments Fixed Fee

      All countries where available

      Currency :

      Fee :

      Australian Dollar:

      $0.05 AUD

      Brazilian Real:

      R 0.10 BRL

      Canadian Dollar:

      $0.05 CAD

      Czech Koruna:

      1.67 CZK

      Danish Kroner:

      0.43 DKK

      Euro:

      €0.05 EUR

      Hong Kong Dollar:

      $0.39 HKD

      Hungarian Forint:

      15.00 HUF

      Israeli New Shekel:

      0.20 ILS

      Japanese Yen:

      ¥7.00 JPY

      Malaysian Ringgit:

      0.20 MYR

      Mexican Peso:

      $0.55 MXN

      New Zealand Dollar:

      $0.08 NZD

      Norwegian Krone:

      0.47 NOK

      Philippine Peso:

      2.50 PHP

      Polish Zloty:

      0.23 PLN

      Russian Ruble:

      2.00 RUB

      Singapore Dollar:

      $0.08 SGD

      Swedish Krona:

      0.54 SEK

      Swiss Franc:

      0.09 CHF

      New Taiwan Dollar:

      2.00 TWD

      Thai Baht:

      1.80 THB

      Turkish Lira:

      0.08 TRY

      U.K. Pounds Sterling:

      £0.05 GBP

      U.S. Dollar:

      $0.05 USD


      (ii) Micropayments for Digital Goods Fees. If you apply and qualify for Micropayments for Digital Goods, then for each transaction involving only Digital Goods, you agree to pay either (i) the Commercial Payment Fees described in Section 2 above or (ii) the Micropayments for Digital Goods Fees, whichever rate results in a lower amount being charged to you for the transaction.

      Activity

      Country

      Micropayments for Digital Goods Fee

      Receiving Micropayments for Digital Goods

      All countries (where Micropayments for Digital Goods are available) except as listed below

      Domestic payments:
      5% + Micropayments Fixed Fee

      International payments:
      5.5% + Micropayments Fixed Fee

      Japan

      Domestic payments:
      5% + Micropayments Fixed Fee

      International payments:
      5^% to 5.3 % + Micropayments Fixed Fee

      Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey (where applicable)

      Domestic payments:
      5% + Micropayments Fixed Fee

      International payments:
      The Fee depends on the buyer's country

      Buyer’s Country

      Fee

      Northern Europe*

      5.4% + Micropayments Fixed Fee

      U.S., Canada, Europe I**

      5.5% + Micropayments Fixed Fee

      Europe II***

      6.0% + Micropayments Fixed Fee

      All other countries

      6.5% + Micropayments Fixed Fee

       

      China, Hong Kong, India, Indonesia, Malaysia, Philippines, Singapore, Taiwan, Thailand, Vietnam

      Domestic payments:
      5.5% + Micropayments Fixed Fee

      International payments :
      6.0% + Micropayments Fixed Fee

      Micropayments Fixed Fee

      All countries where available

      Currency:

      Fee :

      Australian Dollar:

      $0.05 AUD

      Brazilian Real:

      R 0.10 BRL

      Canadian Dollar:

      $0.05 CAD

      Czech Koruna:

      1.67 CZK

      Danish Kroner:

      0.43 DKK

      Euro:

      €0.05 EUR

      Hong Kong Dollar:

      $0.39 HKD

      Hungarian Forint:

      15.00 HUF

      Israeli New Shekel:

      0.20 ILS

      Japanese Yen:

      ¥7.00 JPY

      Malaysian Ringgit:

      0.20 MYR

      Mexican Peso:

      $0.55 MXN

      New Zealand Dollar:

      $0.08 NZD

      Norwegian Krone:

      0.47 NOK

      Philippine Peso:

      2.50 PHP

      Polish Zloty:

      0.23 PLN

      Russian Ruble:

      2.00 RUB

      Singapore Dollar:

      $0.08 SGD

      Swedish Krona:

      0.54 SEK

      Swiss Franc:

      0.09 CHF

      New Taiwan Dollar:

      2.00 TWD

      Thai Baht:

      1.80 THB

      Turkish Lira:

      0.08 TRY

      U.K. Pounds Sterling:

      £0.05 GBP

      U.S. Dollar:

      $0.05 USD


      * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Sweden.

      ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, , San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

      *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Turkey, Ukraine.

      ^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.

      ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

      # excludes transactions on eBay website.

      ## for transactions on eBay website only.

      Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.

    2. Mass Payments Fee.

      Activity

      Country

      Mass Payments Fee

      Sending Mass Payments

      All countries except as listed below

      Domestic payments:

      2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below.

      International payments:

      Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

      Domestic payments:

      2% of the payment up to a Maximum Mass Payment Fee per recipient as listed below**.

      International payments:

      2% of the payment up to a Maximum Mass Payment Fee per recipient as listed below***.

      Hong Kong, China, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand

      Domestic payments (if available):

      2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below.

      International payments:

      2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below****.

      *Maximum Mass Payments Fee

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $1.25 AUD

      Brazilian Real:

      R$2.00 BRL

      Canadian Dollar:

      $1.25 CAD

      Czech Koruna:

      24.00 CZK

      Danish Kroner:

      6.00 DKK

      Euro:

      €0.85 EUR

      Hong Kong Dollar:

      $7.00 HKD

      Hungarian Forint:

      210.00 HUF

      Israeli New Shekel:

      4.00 ILS

      Japanese Yen:

      ¥120.00 JPY

      Malaysian Ringgit:

      4.00 MYR

      Mexican Peso:

      11.00 MXN

      New Zealand Dollar:

      $1.50 NZD

      Norwegian Krone:

      6.75 NOK

      Philippine Peso:

      50.00 PHP

      Polish Zloty:

      3.00 PLN

      Russian Ruble:

      30 RUB

      Singapore Dollar:

      $1.60 SGD

      Swedish Krona:

      9.00 SEK

      Swiss Franc:

      1.30 CHF

      Turkish Lira:

      1.50 TRY

      U.K. Pounds Sterling:

      £0.65 GBP

      U.S. Dollar:

      $1.00 USD

      **Maximum Mass Payment Fee for domestic payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $8 AUD

      Brazilian Real:

      R $12 BRL

      Canadian Dollar:

      $7 CAD

      Czech Koruna:

      140 CZK

      Danish Krone:

      42 DKK

      Euro:

      €6 EUR

      Hong Kong Dollar:

      $55 HKD

      Hungarian Forint:

      1540 HUF

      Israeli Shekel:

      25 ILS

      Japanese Yen:

      ¥600 JPY

      Malaysian Ringgit:

      25 MYR

      Mexican Peso:

      85 MXN

      New Zealand Dollar:

      $10 NZD

      Norwegian Krone:

      45 NOK

      Philippine Peso:

      320 PHP

      Polish Zlotych:

      23 PLN

      Russian Ruble:

      240 RUB

      Singapore Dollar:

      $10 SGD

      Swedish Krona:

      50 SEK

      Swiss Franc:

      8 CHF

      Taiwan New Dollar:

      $220 TWD

      Thai Baht:

      230 THB

      Turkish Lira:

      12 TRY

      U.K. Pounds Sterling:

      £5 GBP

      U.S. Dollar:

      $7 USD

      ***Maximum Mass Payment Fee for international payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey, Ukraine

       

      Currency:

      Maximum Fee per recipient:

      Australian Dollar:

      $50 AUD

      Brazilian Real:

      R $75 BRL

      Canadian Dollar:

      $45 CAD

      Czech Koruna:

      850 CZK

      Danish Krone:

      250 DKK

      Euro:

      €35 EUR

      Hong Kong Dollar:

      $330 HKD

      Hungarian Forint:

      9250 HUF

      Israeli Shekel:

      160 ILS

      Japanese Yen:

      ¥4000 JPY

      Malaysian Ringgit:

      150 MYR

      Mexican Peso:

      540 MXN

      New Zealand Dollar:

      $60 NZD

      Norwegian Krone:

      270 NOK

      Philippine Peso:

      1900 PHP

      Polish Zlotych:

      140 PLN

      Russian Ruble:

      1400 RUB

      Singapore Dollar:

      $60 SGD

      Swedish Krona:

      320 SEK

      Swiss Franc:

      50 CHF

      Taiwan New Dollar:

      $1350 TWD

      Thai Baht:

      1400 THB

      Turkish Lira:

      80 TRY

      U.K. Pounds Sterling:

      $30 GBP

      U.S. Dollar:

      $45 USD

      ****Maximum Mass Payment Fee for international payments from: China, Hong Kong, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand

       

      Currency:

      Maximum Fee Per Recipient:

      Australian Dollar:

      $60 AUD

      Brazilian Real:

      R$100 BRL

      Canadian Dollar:

      $60 CAD

      Czech Koruna:

      1000 CZK

      Danish Kroner:

      300 DKK

      Euro:

      €40 EUR

      Hong Kong Dollar:

      $400 HKD

      Hungarian Forint:

      15,000 HUF

      Israeli Shekel:

      200 ILS

      Japanese Yen:

      ¥5,000 JPY

      Malaysian Ringgit:

      200 MYR

      Mexican Peso:

      750 MXN

      New Zealand Dollar:

      $75 NZD

      Norwegian Krone:

      300 NOK

      Philippine Peso:

      2,500 PHP

      Polish Zloty:

      150 PLN

      Russian Ruble:

      1500 RUB

      Singapore Dollar:

      $80 SGD

      Swedish Krona:

      400 SEK

      Swiss Franc:

      50 CHF

      New Taiwan Dollar:

      $2,000 TWD

      Thai Baht:

      2,000 THB

      Turkish Lira:

      75.00 TRY

      U.K. Pounds Sterling:

      £35 GBP

      U.S. Dollar:

      $50 USD

    3. Personal Payments Fee.
      1. Personal Payments are payments to friends or family members for goods and/or services such as your share of the rent or a dinner bill.
      2. Personal Payments are limited in availability and are not available in most countries.
      3. If you use your credit card as the Payment Method for a Personal Payment, you may be charged a cash-advance fee by your credit card company.
      4. The Fee may be paid by either the sender or the recipient of the Personal Payment. In most instances, the sender will determine who pays the Fee.

      Activity

      Country of Recipient

      Personal Payments Fee when Payment Method is exclusively Balance or Bank

      Personal Payments Fee when another Payment Method is used to fully or partially fund the payment, including a credit or debit card

      Sending or Receiving Domestic Payments

      Where available

      Free

      3.4% + Fixed Fee

      Sending or Receiving International Payments

      Australia

      1%

      3.4% + Fixed Fee

      Brazil

      1%

      7.4% + Fixed Fee

      Countries in Europe

      See table below.

      Japan

      0.3%

      3.9% + Fixed Fee

      U.S., Canada and Poland

      1%

      3.9% + Fixed Fee

      Elsewhere

      0.5%

      3.9% + Fixed Fee

      Fixed Fee

      Currency:

      Fee:

      Australian Dollar:

      $0.30 AUD

      Brazilian Real:

      R$0.60 BRL

      Canadian Dollar:

      $0.30 CAD

      Czech Koruna:

      10.00 CZK

      Danish Kroner:

      2.60 DKK

      Euro:

      €0.35 EUR

      Hong Kong Dollar:

      $2.35 HKD

      Hungarian Forint:

      90.00 HUF

      Israeli New Shekel:

      1.20 ILS

      Japanese Yen:

      ¥40.00 JPY

      Malaysian Ringgit:

      2.00 MYR

      Mexican Peso:

      4.00 MXN

      New Zealand Dollar:

      $0.45 NZD

      Norwegian Krone:

      2.80 NOK

      Philippine Peso:

      15.00 PHP

      Polish Zloty:

      1.35 PLN

      Russian Ruble:

      10.00 RUB

      Singapore Dollar:

      $0.50 SGD

      Swedish Krona:

      3.25 SEK

      Swiss Franc:

      0.55 CHF

      New Taiwan Dollar:

      $10.00 TWD

      Thai Baht:

      11.00 THB

      Turkish Lira:

      0.45 TRY

      U.K. Pounds Sterling:

      £0.20 GBP

      U.S. Dollar:

      $0.30 USD

    4. International Personal Payments to European Countries

      To determine the fee for an international Personal Payment sent to a user in a European country please follow these steps:

      1. Locate the recipient’s country in the table below (in the first column from left).
      2. Determine the region of the sender’s country (second column).
      3. Find the applicable fee based on the payment method used (third and fourth columns).

      Recipient’s Country
      (if applicable)

      Sender’s Country

      Fee when Funding Source is: entirely funded by PayPal balance or bank account

      Fee when Funding Source is: entirely or partially funded by debit card or credit card

      Albania, Andorra, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (including Aland Islands), Gibraltar, Greece, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, U.K. (including Channel Islands and Isle of Man).

      Northern Europe *

      0.4%

      3.8% + Fixed Fee

      US, Canada, Europe I **

      0.5%

      3.9% + Fixed Fee

      Europe II ***

      1.0%

      4.4% + Fixed Fee

      All other countries

      1.5%

      4.9% + Fixed Fee

      Belgium, France, French Guiana, Guadeloupe, Italy, Martinique, Mayotte, Netherlands, Reunion.

      Northern Europe *

      0.4%

      3.8% + Fixed Fee

      US, Canada, Europe I **

      0.5%

      3.9% + Fixed Fee

      Europe II ***

      1.3%

      4.7% + Fixed Fee

      All other countries

      1.8%

      5.2% + Fixed Fee

      Germany

      Northern Europe *

      1.8%

      3.7% + Fixed Fee

      US, Canada, Europe I **

      2.0%

      3.9% + Fixed Fee

      Europe II ***

      3.0%

      4.9% + Fixed Fee

      All other countries

      3.3%

      5.2% + Fixed Fee

      Poland

      Northern Europe *

      0.9%

      3.8% + Fixed Fee

      US, Canada, Europe I **

      1.0%

      3.9% + Fixed Fee

      Europe II ***

      1.5%

      4.4% + Fixed Fee

      All other countries

      2.0%

      4.9% + Fixed Fee

      * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

      ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany , Gibraltar, Greece, Ireland, Italy , Luxembourg, Malta, Monaco, Montenegro, , Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

      *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Switzerland, Turkey, Ukraine.

      Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or the European Economic Area will be treated as Domestic Payments for the purpose of applying Fees.

      Fixed Fee

       

      Currency:

      Fee:

      Australian Dollar:

      $0.30 AUD

      Brazilian Real:

      R$0.60 BRL

      Canadian Dollar:

      $0.30 CAD

      Czech Koruna:

      10.00 CZK

      Danish Kroner:

      2.60 DKK

      Euro:

      €0.35 EUR

      Hong Kong Dollar:

      $2.35 HKD

      Hungarian Forint:

      90.00 HUF

      Israeli New Shekel:

      1.20 ILS

      Japanese Yen:

      ¥40.00 JPY

      Malaysian Ringgit:

      2.00 MYR

      Mexican Peso:

      4.00 MXN

      New Zealand Dollar:

      $0.45 NZD

      Norwegian Krone:

      2.80 NOK

      Philippine Peso:

      15.00 PHP

      Polish Zloty:

      1.35 PLN

      Russian Ruble:

      10 RUB

      Singapore Dollar:

      $0.50 SGD

      Swedish Krona:

      3.25 SEK

      Swiss Franc:

      0.55 CHF

      New Taiwan Dollar:

      $10.00 TWD

      Thai Baht:

      11.00 THB

      Turkish Lira:

      0.45 TRY

      U.K. Pounds Sterling:

      £0.20 GBP

      U.S. Dollar:

      $0.30 USD

    5. Installment Processing Fee in Mexico. If your buyer decides to pay you in installments, the Fee you pay is based on the number of installments selected by the buyer. The Fee is the applicable domestic Commercial Payment Fee as listed in Section 2 above, plus the percentage stated below. PayPal reserves the right to remove your ability to offer installments using the PayPal Services anytime and without prior notice to you.

      Number of Installments

      Installment Processing Fee in Mexico

      2 installments

      3.25%

      3 installments

      4.55%

      4 installments

      5.55%

      5 installments

      6.90%

      6 installments

      7.25%

      7 installments

      9.10%

      8 installments

      10.45%

      9 installments

      11.25%

      10 installments

      12.45%

      11 installments

      13.25%

      12 installments

      13.50%

    6. Refund Fee

      Activity

      Country

      Fee

      Refunding a Commercial Payment

      China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam

       

      Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia, Turkey.

      If you issue a full refund of the Commercial Payment, we will retain the full Fixed Fee portion of the Commercial Payments Fee.

       

      If you issue a partial refund of the Commercial Payment, we will retain the pro-rata share of the Fixed Fee portion of the Commercial Payments Fee.

      The buyer’s Account will be credited with the full Commercial Payment amount in the event of a full refund, or a portion of the Commercial Payment amount in the event of a partial refund.

      Your Account will be charged with the pro-rata share of the amount initially credited to your Account in connection with the Commercial Payment and the pro-rata share of the Fixed Fee portion of the Commercial Payments Fee

    7. Bank/Credit Card Fees. Your bank, credit or debit card company may charge you fees for sending or receiving funds through PayPal. For example, you may be charged currency conversion processing fees, international transactions fees, or other fees even when your transaction is domestic, and does not require a currency conversion. PayPal is not liable for any fees charged to you by your bank, credit or debit card company or other financial institution based on your usage of PayPal. If you are in Israel, your bank account may be charged immediately for a PayPal transaction that is funded with a credit card.
  2. Other changes

    Sections of the PayPal User Agreement have been amended to update or clarify existing wording and correct typographical errors.

 

Amendment to the PayPal Receive Funds and Automatic Transfer Agreement

Effective Date: October 8, 2014

  1. The list of countries covered by the PayPal Receive Funds and Automatic Transfer Agreement is amended as follows:

    Albania, Algeria, Antigua and Barbuda, Barbados, Belize, Bosnia and Herzegovina, Dominica, Egypt, Fiji, French Polynesia, Grenada, Lesotho, Malawi, New Caledonia, Palau, Saint Kitts and Nevis, Saint Lucia, Seychelles, Trinidad and Tobago, Turks and Caicos.
  1. In section 8 (“Transaction Fees for Receiving Payments”), the last sentence is amended as follows:

    The fees in this section do not apply to Albania, Bosnia and Herzegovina and Egypt. In these countries, the Fees for receiving commercial transactions as listed in the User Agreement shall apply.

Amendment to the PayPal User Agreement

Effective Date: August 19, 2014

  1. Fee Changes for Certain Automatic Transfer Countries

    In Antigua and Barbuda, Bahamas, Barbados, Belize, Dominica, Grenada, Honduras, St. Kitts and Nevis, St. Lucia, Trinidad and Tobago, and Turks and Caicos Islands, the fees for receiving a commercial payment shall be as follows:
     

    Domestic payments and international payments:

    Standard Rate: 5.4% + Fixed Fee

    Merchant Rate: From 4.4% to 5.4% + Fixed Fee


    Exhibit A (2): is updated as follows:

    Argentina (international payments only)
    Bermuda
    Cayman Islands
    Chile
    Colombia
    Costa Rica
    Dominican Republic
    Ecuador
    El Salvador
    Guatemala
    Jamaica
    Panama
    Peru
    Uruguay
    Venezuela

    And the following Automatic Transfer Countries: Antigua and Barbuda, Bahamas, Barbados, Belize, Dominica, Grenada, Honduras, St. Kitts and Nevis, St. Lucia, Trinidad and Tobago, and Turks and Caicos Islands

    Domestic payments and international payments:

    Standard Rate: 5.4% + Fixed Fee

    Merchant Rate: From 4.4% to 5.4% + Fixed Fee

    Automatic Transfer Countries Except for: Albania, Bosnia and Herzegovina, Croatia and except for Antigua and Barbuda, Bahamas, Barbados, Belize, Dominica, Grenada, Honduras, St. Kitts and Nevis, St. Lucia, Trinidad and Tobago, and Turks and Caicos Islands

    Domestic payments and international payments:

    Standard Rate:

    4.9% + Fixed Fee

    Merchant Rate*:

    From 3.9% to 4.9% + Fixed Fee

     

Amendment to the Protection for Sellers in Mexico

Effective Date: August 19, 2014

  1. Addition of Shipping Company for Mexico
    For purposes of Protection to Sellers in Mexico, “99 Minutos” is being added to the definition of “Shipping Company”.

 

Amendment to the PayPal User Agreement

Effective Date: June 17, 2014

  1. Section 9 (“PayPal Seller Protection”) in respect of Sellers in Mexico, China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam, Turkey and Israel is being amended to reflect that such Sellers who sell items to buyers in the UK will be subject to the UK Buyer Protection rules which may have greater coverage for buyers.

    For the PayPal Seller Protection in Mexico, China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam, Turkey and Israel, we will be adding the following in Section 9:

    When a Seller sells an item to a U.K. registered buyer, the U.K. Buyer Protection policy will apply to that transaction.
  2. Section 9.1 (“PayPal Seller Protection”) in respect of Sellers in countries not listed in paragraph 1 above but covered under the PayPal User Agreement is being amended to reflect that such Sellers who sell items to buyers in the UK will be subject to the UK Buyer Protection rules which may have greater coverage for buyers.

    Section 9.1 will be amended as follows:

    PayPal Seller Protection is protection we provide to Sellers for eBay transactions from Claims, Chargebacks, or Reversals that are based on:
    1. Unauthorized Transaction; or
    2. Item Not Received.
    PayPal Seller Protection is available for eligible payments on eBay from buyers in any country. When a Seller sells an item to a U.K. registered buyer, the U.K. Buyer Protection policy will apply to that transaction.
  1. Proof of Delivery requirements for Sellers in Mexico in Section 9 (“PayPal Seller Protection”) is being amended as follows:

    “Proof of Delivery" is online documentation from a shipping company that includes all of the following:
    1. The date the item is delivered.
    2. The recipient's address, showing at least the city/state or postal code (or international equivalent).
    3. Signature Confirmation as described below for payments of $10,000 MXN or more (or the following equivalents):

      Currency

      Amount

      Australian Dollar

      $850 AUD

      Brazilian Real

      $1750 BRL

      Canadian Dollar

      $850 CAD

      Czech Koruna

      15,000 CZK

      Danish Krone

      4,100 DKK

      Euro

      €550 EUR

      Hong Kong Dollar

      $6,000 HKD

      Hungarian Forint

      170,000 HUF

      Israeli New Shekel

      2,700 ILS

      Japanese Yen

      ¥77,000 JPY

      Malaysian Ringit

      2,500 MYR

      Mexican Peso

      $10,000 MXN

      Currency

      Amount  

      New Zealand Dollar

      $950 NZD

      Norwegian Krone

      4,600 NOK

      Philippine Peso

      34,000 PHP

      Polish Zloty

      2,300 PLN

      Russian Ruble

      27,000 RUB

      Singaporean Dollar

      $950 SGD

      Swedish Krona

      4,950 SEK

      Swiss Franc

      700 CHF

      Taiwan New Dollar

      23,000 TWD

      Thai Baht

      24,500 THB

      Turkish Lira

      1,600 TRY

      U.K. Pounds Sterling

      £450 GBP

      U.S. Dollar

      $750 USD

  1. Postage requirements for Sellers in China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam in Section 9 (“PayPal Seller Protection”) are being amended as follows:

     

    Postage requirement

    Protection for Item Not Received

    For items less than $750 USD (or equivalent as set out below)*, Proof of Shipment

    For items of $750 USD or more (or equivalent as set out below)*, Proof of Delivery with Signature Confirmation

    Protection for Unauthorized Transaction

    Proof of Shipment

     

    Currency*

    Amount

    Currency*

    Amount

    Australian Dollar

    $850 AUD

    New Zealand Dollar

    $950 NZD

    Brazilian Real

    $1750 BRL

    Norwegian Krone

    4,600 NOK

    Canadian Dollar

    $850 CAD

    Philippine Peso

    34,000 PHP

    Czech Republic Koruna

    15,000 CZK

    Polish New Zloty

    2,300 PLN

    Danish Krone

    4,100 DKK

    Russian Ruble

    27,000 RUB

    Euro

    €550 EUR

    Singaporean Dollar

    $950 SGD

    Hong Kong Dollar

    $6,000 HKD

    Swedish Krona

    4,950 SEK

    Hungarian Forint

    170,000 HUF

    Swiss Franc

    700 CHF

    Israeli New Shekel

    2,700 ILS

    Taiwan New Dollar

    23,000 TWD

    Japanese Yen

    ¥77,000 JPY

    Thai Baht

    24,500 THB

    Malaysian Ringgit

    2,500 MYR

    Turkish Lira

    1,600 TRY

    Mexican Peso

    $10,000 MXN

    U.K. Pound Sterling

    £450 GBP

     

     

    U.S. Dollar

    $750 USD

  1. Section 9.4 (“Proof of Shipment, Proof of Delivery and Signature Confirmation Requirements”) of the User Agreements will be amended as follows:

    9.4 Proof of Shipment, Proof of Delivery, and Signature Confirmation Requirements:

    "Proof of Shipment" is online or physical documentation from a shipping company that includes all of the following:

    1. The date the item is shipped.
    2. The recipient's address, showing at least the city/state or postal code (or international equivalent).

    "Proof of Delivery" is online documentation from a shipping company that includes all of the following:

    1. The date the item is delivered.
    2. The recipient's address, showing at least the city/state or postal code (or international equivalent).
    3. Signature Confirmation as described below for payments of $750 USD or more (or the following equivalents), save for Sellers having a PayPal Account registered in Albania, Andorra, Bosnia and Herzegovina, Croatia, Turkey and Ukraine to whom such requirement won’t apply):

      Currency

      Amount

      Currency

      Amount

      Australian Dollar

      $850 AUD

      New Zealand Dollar

      $950 NZD

      Brazilian Real

      $1750 BRL

      Norwegian Krone

      4,600 NOK

      Canadian Dollar

      $850 CAD

      Philippine Peso

      34,000 PHP

      Czech Republic Koruna

      15,000 CZK

      Polish New Zloty

      2,300 PLN

      Danish Krone

      4,100 DKK

      Russian Ruble

      27,000 RUB

      Euro

      €550 EUR

      Singaporean Dollar

      $950 SGD

      Hong Kong Dollar

      $6,000 HKD

      Swedish Krona

      4,950 SEK

      Hungarian Forint

      170,000 HUF

      Swiss Franc

      700 CHF

      Israeli New Shekel

      2,700 ILS

      Taiwan New Dollar

      23,000 TWD

      Japanese Yen

      ¥77,000 JPY

      Thai Baht

      24,500 THB

      Malaysian Ringgit

      2,500 MYR

      Turkish Lira

      1,600 TRY

      Mexican Peso

      $10,000 MXN

      U.K. Pound Sterling

      £450 GBP

       

       

      U.S. Dollar

      $750 USD

  1. We are adding new Sections 13.6 and 13.7 to the User Agreement in order to include a license grant from Users to PayPal with respect to certain User generated content.  In the new Section 13.6, when you give PayPal content, such as images or text, PayPal can use that content in various ways and exercise other of your rights related to it.   Section 13.6 also provides that you guarantee that the material does not infringe the intellectual property or publicity rights of others.  New Section 13.7 limits Section 13.6 by restricting our right under the User Agreement to use merchants’ trademarks to particular circumstances.

    New Sections 13.6 and 13.7 reads as follows:

    13.6 License Grant from You to PayPal; IP Warranties.  Subject to section 13.7, when providing PayPal with content or posting content using PayPal Services, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against PayPal, its sublicensees or its assignees.  You represent and warrant that none of the following infringe any intellectual property or publicity right: your provision of content to PayPal, your posting of content using the PayPal Services, and PayPal’s use of such content (including of works derived from it) in connection with the PayPal Services.

     13.7 License Grant from Merchants to PayPal.  Section 13.6 notwithstanding, if you are a Merchant using PayPal Services, you hereby grant us a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free right to use and display publicly, during the term of this Agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a Merchant that accepts a PayPal Service as a payment form, and (2) any other use to which you specifically consent.

  1. The definitions of Europe I and Europe II are amended throughout the PayPal User Agreement as follows:
    ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany, Gibraltar, Greece, Ireland, Italy , Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, , San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

    *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Turkey, Ukraine.
  1. The subsection “Currency Conversion” of Section 3 (“Additional Fees”) of Exhibit A – Fees of the PayPal User Agreement is amended as follows:

    Activity

    Additional Fees

    Currency Conversion

    Country:

    Fee:

    All countries except as listed below.

    2.5% (added to the exchange rate)

    Argentina, Aruba, Bahamas, Barbados, Bermuda, Cayman Islands, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Jamaica, Mexico, Panama, Paraguay, Peru, Trinidad & Tobago, Uruguay, Venezuela.

    3.5% (added to the exchange rate)

    Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Democratic Rep of the Congo, Cook Islands, Djibouti, Egypt, Eritrea, Ethiopia, Gabon, Gambia, Guinea, Guinea Bissau, Ivory Coast, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Oman, Qatar, Rwanda, Sao Tome And Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, St. Helena, Swaziland, Tajikistan, Tanzania, Togo, Tunisia, Turkmenistan, Uganda, United Arab Emirates, Yemen, Zambia, Zimbabwe

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    3.5% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

       

    Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Macedonia, Moldova, Montenegro, Serbia, Turkey, Ukraine.

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    4% added to the exchange rate.

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

    2.5% added to the exchange rate

    Bhutan, Cambodia, China, Federated States of Micronesia, Hong Kong, India, Indonesia, Japan, Korea, Laos, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Philippines, Samoa, Singapore, Sri Lanka, Taiwan, Thailand, Tonga, Vietnam

    Currency Conversion that occurs when sending a Personal or a Commercial Payment:

    The Fee depends on the currency into which the amount is converted, as listed in the table below and is added to the exchange rate.

    Currency:

    Fee:

    Argentine Peso:

    4%

    Australian Dollar:

    4%

    Brazilian Real:

    4%

    Canadian Dollar:

    3.5%

    Czech Koruna:

    4%

    Danish Kroner:

    4%

    Euro:

    4%

    Hong Kong Dollar:

    4%

    Hungarian Forint:

    4%

    Indian Rupee:

    4%

    Israeli New Shekel:

    4%

    Japanese Yen:

    4%

    Malaysian Ringgit

    4%

    Mexican Peso:

    4%

    New Zealand Dollar:

    4%

    Norwegian Krone:

    4%

    Philippine Peso:

    4%

    Polish Zloty:

    4%

    Russian Ruble:

    3.5%

    Singapore Dollar:

    4%

    Swedish Krona:

    4%

    Swiss Franc:

    4%

    New Taiwan Dollar:

    4%

    Thai Baht:

    4%

    Turkish Lira:

    4%

    U.K. Pounds Sterling:

    4%

    U.S. Dollar:

    3.5%

    Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

    2.5% added to the exchange rate

    Monaco

    For currency conversions that occur for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee

    2.5% above the wholesale exchange rate

    For all other transactions involving a currency conversion and for which the seller has not agreed to bear the conversion fee:

    Between 3.0% and 4.0% above the wholesale exchange rate depending on the currency into which the relevant amount is converted (please refer to the table below).

    Currency and Code

    Currency Conversion Fee

    Argentine Peso (ARS):

    4.0%

    Australian Dollar (AUD):

    4.0%

    Brazilian Real (BRL):

    4.0%

    Canadian Dollar (CAD):

    3.0%

    Czech Koruna (CZK):

    3.5%

    Danish Krone (DKK):

    3.5%

    Euro (EUR):

    3.5%

    Hong Kong Dollar (HKD):

    4.0%

    Hungarian Forint (HUF):

    3.5%

    Israeli Shekel (ILS):

    4.0%

    Japanese Yen (JPY):

    4.0%

    Malaysian Ringgit (MYR):

    4.0%

    Mexican Peso (MXN):

    4.0%

    New Zealand Dollar (NZD):

    4.0%

    Norwegian Krone (NOK):

    3.5%

    Philippine Peso (PHP):

    4.0%

    Polish Zlotych (PLN):

    3.5%

    Russian Ruble (RUB):

    3.5%

    Swedish Krona (SEK):

    3.5%

    Swiss Franc (CHF):

    3.5%

    Taiwan New Dollar (TWD):

    4.0%

    Thai Baht (THB):

    4.0%

    Turkish Lira (TRY):

    3.5%

    U.K. Pounds Sterling (GBP):

    3.5%

    U.S. Dollar (USD):

    3.0%

    When a currency conversion is required, it will be completed at a foreign exchange rate determined by a licensed financial institution, which is adjusted regularly based on market conditions. The exchange rate is adjusted regularly and may be applied immediately and without notice to you. The exchange rate includes a processing Fee expressed as a percentage above the wholesale exchange rate at which PayPal obtains foreign currency, and the processing fee is retained by PayPal. You may have the option (depending on the country you are residing in and the type of funding source) to Opt Out of currency conversion before you complete the transaction by selecting Other Conversion options on the Review Your Information page during checkout.

    Where a currency conversion is offered by PayPal at the point of sale, you will be shown the exchange rate that will be applied to the transaction before you proceed with authorizing the payment transaction. By proceeding with your authorization of the payment transaction you are agreeing to the currency conversion on the basis of the exchange rate. Where a currency conversion is offered at the point of sale by the Merchant, not by PayPal, and you choose to authorize the payment transaction on the basis of the Merchant’s exchange rate and charges, PayPal has no liability to you for that currency conversion.

    Where your payment is funded by a Debit or Credit Card and involves a currency conversion by PayPal, you consent to and authorize PayPal to convert the currency in place of your Credit or Debit card issuer.

  1. A new paragraph is added to Exhibit B - Country-Specific Terms in relation with Morocco:

    Morocco

    Upon enablement of the withdrawal functionality to a Moroccan bank account with the bank partner of PayPal, You will be required to comply with Moroccan laws and regulations. This means notably that if you receive amounts into your PayPal balance from a PayPal User, you must withdraw the amounts in your PayPal balance to your Moroccan bank account* within 30 Days of receipt of funds.

    * The bank partner of PayPal for the withdrawal functionality charges a fee for each withdrawal. Upon enablement of the receive and withdraw functionalities, PayPal will provide You with additional information.

  2. Other changes

    Sections of the PayPal User Agreement have been amended to update or clarify existing wording and correct typographical errors.

 

Amendment to the PayPal User Agreement

Effective Date: May 14, 2014

 

  1. Changes to Section 2 (“Sending Payments”) of the PayPal User Agreement regarding Cards as Payment Methods

    Section 2.3 is inserted as follows:

    “2.3 Cards as Payment Methods.By adding a debit card, credit card or prepaid card as a Payment Method, you are providing PayPal with continuous authority to automatically charge that card to obtain the relevant funds when the card is used as a Payment Method pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Payment Method in your Account Profile.”
  2. Changes to Section 7 (“PayPal Buyer Protection”) of the PayPal User Agreement regarding Claim Resolution Process and No Double Recovery

    The “Claim Resolution Process” part of Section 7.5 (“Dispute Resolution”) is amended as follows:

    “Claim Resolution Process. Once a Dispute has been escalated to a Claim, PayPal will make a final decision in favor of the buyer or the Seller. You may be asked to provide receipts, third party evaluations, police reports, or anything else that PayPal specifies. PayPal retains full discretion to make a final decision in favor of the buyer or the Seller. In the event that PayPal makes a final decision in favor of the buyer or Seller, each party must comply with PayPal’s decision. PayPal will generally require the buyer to ship an item that the buyer claims is SNAD back to the Seller (at the buyer’s expense), and PayPal will generally require a Seller to accept the item back and refund the buyer the full purchase price plus original shipping costs. In the event a Seller loses a Claim, the Seller will not receive a refund on his or her PayPal or eBay fees associated with the transaction. If you are a Seller and you lose a SNAD Claim because the item you sold is counterfeit, you will be required to provide a full refund to the buyer and you will not receive the item back.”

    Section 7.8 (“No Double Recovery”) is amended as follows:

    “7.8 No Double Recovery. You may not file a Dispute/Claim, or receive a recovery, for a purchase under PayPal Buyer Protection if you have already received a recovery for that purchase directly from eBay, the Seller or another third party, or if you have already filed a case for that purchase with eBay, the Seller or another third party.”