Cross border fees are applied to international personal payments and purchase payments. Cross border fees are paid by either the sender or recipient of the payment, not both. The sender of the payment generally determines who pays the fee. Cross border fees are charged due to the extra costs involved in processing multi-currency payments.
International Personal Payments:
- If you send or receive an international personal payment using your PayPal balance or bank account, you’re charged a cross border fee, which can range from 0.5% to 2% of the payment amount.
- If you use a credit or debit card to fully or partially fund international personal payments, you’re charged a cross border fee, which can range from 2.9% to 7.4% plus an additional fixed fee. The fixed fee is based on the country of the payment recipient.
International Purchase Payments:
- If you receive an international payment for a purchase, you’re charged a standard fee of 3.9% plus an additional fixed fee. The fixed fee is based on the currency of the payment.
- It’s free to send payments for your purchases, even for some international payments. Some fees may be applied if PayPal performs a currency conversion to complete your transaction. And your financial institution may charge fees directly to the card you use to fund a cross-border payment even where no currency conversion is involved.
For more information on fees, click Legal at the bottom of any PayPal page, then click PayPal User Agreement and then click Fees.