Buying is usually free.

The seller pays a fee to process the payment.

Buying in New Zealand

Usually free. A currency conversion fee may apply.

Selling is as low as 3.4% + $0.45 NZD per payment within New Zealand.

The more you sell, the less you pay. Our rates are competitive in the business. There are no hidden fees. You can accept all major card payments from over 143 million customers worldwide. You don't have to pay anything until you get paid for selling something. International payments cost more.

More about merchant fees

Sell on website, through invoice or email payments in New Zealand (standard rate) 3.4% + $0.45 NZD.
Sell on website, through invoice or email payments overseas (standard rate) 3.9% + fixed fee based on the currency received.

Additional currency conversion fees may apply.

Discounted rate for merchants You can apply for our discounted merchant rates when you meet qualifying calendar monthly sales volume and keep your account in good standing order.

Sending and requesting payments.

Sending personal payments to friends and family is free for you and the recipient in New Zealand when you use your PayPal balance. You can also use credit card or make an international transfer for a fee.

For sending or receiving a personal payment within New Zealand using PayPal balance Free
Personal Payments Fee when another payment method is used to fully or partially fund the payment, including credit or debit card 3.4% + $0.45 NZD per transaction (either the sender or recipient can pay the fee)
For sending or receiving international personal payment using PayPal balance Varies by country, from 0.3% - 3.3%
Personal Payments Fee when another payment method is used to fully or partially fund the payment, including credit or debit card Varies by country, from 3.4% - 7.4% + a fixed fee

For transactions involving international payments or currency conversions, additional fees may apply. See Exhibit A - Fees" in the User Agreement for details.

Monthly sales volume New Zealand customers (per transaction) International customers (per transaction)
Up to $5,000 NZD 3.4% plus $0.45 NZD 3.9% plus a fixed fee based on the currency received*
$5,000.01 – $15,000 NZD 2.9% plus $0.45 NZD 3.4% plus a fixed fee based on the currency received*
$15,000.01 - $150,000 NZD 2.7% plus $0.45 NZD 2.9% plus a fixed fee based on the currency received*
$150,000.00 NZD and over 2.4% plus $0.45 NZD 2.7% plus a fixed fee based on the currency received*

* For example, for payments received in USD, the fixed fee is $0.30 USD.

You can apply for our discounted merchant rates when you meet qualifying calendar monthly sales volume and keep your account in good standing order.