Policy Updates

 

>> View all legal agreements

>> View upcoming policy updates

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.

 

Amendments to the PayPal User Agreement, with respect to User Accounts in Asia Pacific, certain European and Latin American countries, Middle East and Africa.

Effective Date:  June 25, 2016

 

PayPal is changing its User Agreement.  The amended User Agreement will be effective as to all PayPal users on June 25, 2016.  We encourage you to review this Policy Update to familiarize yourself with the changes that are being made.

YOUR USE OF PAYPAL OR ITS SERVICES AFTER JUNE 25, 2016 MEANS YOU AGREE TO THESE CHANGES.

The update to the User Agreement is effective June 25, 2016.  A summary of material changes is provided below. 
 

A. Amendments to the PayPal User Agreement

  1. Changes to Eligibility Requirements under PayPal Buyer Protection (Section 7.2)
    To be eligible under the PayPal Buyer Protection, you will be required to respond to PayPal’s request for documentation and other information in a timely manner. Accordingly, Section 7.2 will be amended as follows:

    7.2 Eligibility Requirements.

    1. To be eligible for PayPal Buyer Protection you must meet all of the following requirements:
      • Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"
      • You must respond to PayPal’s request for documentation and other information in a timely manner
      • Have an Account in good standing
      • You have not received a recovery related to such purchase from another source.”
         
  2. Changes to Ineligible Items under PayPal Buyer Protection (Section 7.3)
    Section 7.3 (“Ineligible Items”) is being amended as follows:
    • “Real estate
    • Businesses (when you buy a business)
    • Vehicles, including motorcycles, caravans, aircrafts and boats
    • Significantly Not As Described Claims for custom made items
    • Payments on crowdfunding platforms
    • Items that violate PayPal's Acceptable Use Policy
    • For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
    • Industrial machinery used in manufacturing
    • Stored value items such as gift cards and pre-paid cards
    • Gambling, gaming and other activity with an entry fee and a prize
    • Anything purchased from or an amount paid to a government agency
    • Personal Payments
    • Donations made to charities or non-profit organizations
    • Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.”
  1. Amendments to Section 9 (Seller Protection for Sellers in India)

    Seller Protection for Sellers in India will be expanded to include eligible intangible items excluding Digital Goods.  
    Accordingly, the eligibility and delivery requirements for PayPal Seller Protection for Sellers in these countries will be amended as follows:

    “Eligibility for PayPal Seller Protection

    You must meet all of these requirements to be eligible for PayPal Seller Protection:

    1. You receive payment via PayPal from a buyer’s PayPal Account;
    2. You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded);
    3. For tangible items, you must post the item to the shipping address on the “Transaction Details” page. If the item is delivered in person or picked up in person or if you post the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift address”), then you will not be eligible for PayPal Seller Protection;
    4. Follow the delivery requirements described below;
    5. The transaction must be marked as either:
      1. For tangible items: marked by PayPal as eligible or partially eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for both Unauthorized Transaction and Item Not Received will apply. If it is marked partially eligible, protection for only Item Not Received will apply; or
      2. For intangible or virtual items or services: marked by PayPal as eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for only Unauthorized Transaction and Item Not Received (for Chargebacks only) will apply.
    6. You must respond to PayPal’s requests for documentation or other information that is reasonably required by PayPal to investigate in a timely manner; and
    7. Your eligibility is not otherwise suspended. 

    Delivery requirements for Sellers in India

     

    Delivery requirement

    Protection for Item Not Received

    For items less than $750 USD (or equivalent as set out below)*, Proof of Shipment (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

    For items of $750 USD or more (or equivalent as set out below)*, Proof of Delivery (for tangible items)  or Proof of Delivery (for intangible or virtual items or services)

    Protection for Unauthorized Transaction

    Proof of Shipment (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

     

    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. Amendments to Section 11.5 (Actions by PayPal - Reserves)
    Section 11.5 (Actions by PayPal – Reserves) is being amended as follows:

    “11.5 Actions by PayPal - Reserves.
    PayPal, in its sole discretion, may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account or your use of any of the products and/or services offered by PayPal and/or its Affiliates. If PayPal places a Reserve in your Account, transactions will be shown as "pending" in your PayPal balance, and you will not have access to funds in a “pending” status until they are cleared. If your Account is subject to a Reserve, PayPal will provide you with notice specifying the terms of the Reserve. The terms may require that a certain percentage of the amounts received into your Account are held for a certain period of time, or that a certain amount of money is held in Reserve, or anything else that PayPal determines is necessary to protect against the risk associated with your Account. PayPal may change the terms of the Reserve at any time by providing you with notice of the new terms.

 

Amendments to the PayPal User Agreement, with respect to User Accounts in Asia Pacific, certain European and Latin American countries, Middle East and Africa.

Effective Date:  October 13, 2015

 

PayPal is changing its User Agreement. The amended User Agreement will be effective as to all PayPal users on October 13, 2015. We encourage you to review this Policy Update to familiarize yourself with the changes that are being made.

YOUR USE OF PAYPAL OR ITS SERVICES AFTER OCTOBER 13, 2015 MEANS YOU AGREE TO THESE CHANGES.

The update to the User Agreement is effective October 13, 2015. A summary of material changes is provided below. 

Amendments to the PayPal User Agreement

  1. Changes to Provisions re Third Party Withdrawal Services for Taiwan Users

    The specific provisions in Section 5 (“Withdrawing Money”) regarding third party withdrawal services for Taiwan Users will be deleted. Revised provisions will be inserted into Exhibit B – Country Specific Terms as follows:

    Exhibit B – Country Specific Terms

    Taiwan
    1. Your ability to withdraw to your local bank account may require the opening of a bank account with a PayPal partner bank in Taiwan (“Partner Bank”), and using the withdrawal service offered by that Partner Bank (“Withdrawal Service”). Please see the terms and conditions with the Partner Bank for additional information relating to that service.
    2. In case of any dispute, demands, actions, proceedings ("Disputes") between you and the Partner Bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Partner Bank.
    3. PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Withdrawal Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Withdrawal Service.
    4. Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.
       
  2. New Provisions re Third Party Withdrawal Services for China Users

    China Users may use withdrawal services offered by a PayPal partner bank or licensed foreign-exchange service providers. These services will be subject to the terms and conditions of the third party service provider. A new provision will be inserted into Exhibit B – Country Specific Terms as follows:

    Exhibit B – Country Specific Terms

    China 
    1. If you are using a service (“Third Party Service”) offered by a PayPal partner bank or licensed foreign-exchange service provider (“Service Provider”), please see the terms and conditions with the Service Provider for additional information relating to that service.
    2. In case of any dispute, demands, actions, proceedings ("Disputes") between you and the partner bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Service Provider.
    3. You acknowledge and agree that PayPal may share information provided by you in accordance with PayPal’s Privacy Policy and the terms of the agreement between you and PayPal with the Service Provider in order to enable the Service Provider to conduct the requisite due diligence in accordance with Service Provider’s Know-your-customer (KYC) obligations.
    4. PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Third Party Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Third Party Service.
    5. Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.
       
  3. Changes to Commercial Payments Fee for China, Hong Kong and Taiwan

    We will be amending the PayPal User Agreement to clarify that the Merchant Rates in respect of the Commercial Payments Fee for China, Hong Kong, and Taiwan will be from 2.9% to 3.9% in respect of domestic payments (where available) and from 3.4% to 4.4% in respect of international payments.
    Accordingly, sub-section 2 (“Commercial Payments Fee”) of Exhibit A – Fees of the PayPal User Agreement will be amended as follows:
     

    China, Hong Kong and Taiwan

    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

     

*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.

Amendments to the PayPal User Agreement, with respect to User Accounts in Asia Pacific, certain European and Latin American countries, Middle East and Africa

Effective Date:  September 1, 2015

 

PayPal is changing its User Agreement.  The amended User Agreement will be effective as to all PayPal users on September 1, 2015.  We encourage you to review this Policy Update to familiarize yourself with the changes that are being made.

YOUR USE OF PAYPAL OR ITS SERVICES AFTER SEPTEMBER 1, 2015 MEANS YOU AGREE TO THESE CHANGES.

A summary of material changes is provided below. 

The update to the User Agreement is effective September 1, 2015.
 

A. Amendments to the PayPal User Agreement

  1. Extension of Buyer Protection Dispute Filing Period for Latin America Users

    For Latin America User Accounts, PayPal is extending the period a buyer has to file a dispute from 45 to 180 Days since the date in which payment to Seller was made. The other eligibility requirements set forth in Section 7 of the User Agreement continue to apply.

    Sections 7.2(a) and 7.5:
    These paragraphs state that buyer must file a Dispute within 180 Days from the date of payment, except for buyers in Latin America, which have 45 Days to file such Dispute.

    Revised Section 7.2(a):
    “…(a) To be eligible for PayPal Buyer Protection you must meet all of the following requirements: … Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"…”

    Revised Section 7.5:
    “…Open a Dispute. Open a Dispute within 180 Days of the date you made the payment to negotiate with the Seller for resolution of the Dispute…”

    Accordingly, we are eliminating the “Latin America” definition from the respective section of the User Agreement.

  2. Amendments to Section 9 (Seller Protection) for Sellers in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam

    Seller Protection for Sellers in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam will be expanded to include eligible intangible items excluding Digital Goods.

    Accordingly, the eligibility and delivery requirements for PayPal Seller Protection for Sellers in these countries will be amended as follows:

    Eligibility for PayPal Seller Protection
    You must meet all of these requirements to be eligible for PayPal Seller Protection:
    1. You receive payment via PayPal from a buyer’s PayPal Account;
    2. You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded);
    3. For tangible items, you must post the item to the shipping address on the “Transaction Details” page. If the item is delivered in person or picked up in person or if you post the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift address”), then you will not be eligible for PayPal Seller Protection;
    4. Follow the delivery requirements described below;
    5. The transaction must be marked as either:
      1.  For tangible items: marked by PayPal as eligible or partially eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for both Unauthorized Transaction and Item Not Received will apply. If it is marked partially eligible, protection for only Item Not Received will apply; or
      2. For intangible or virtual items or services: marked by PayPal as eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for only Unauthorized Transaction will apply.
    6. You must respond to PayPal’s requests for documentation or other information that is reasonably required by PayPal to investigate in a timely manner; and
    7. Your eligibility is not otherwise suspended. 

    Delivery requirements for Sellers in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam

     

    Delivery requirement

    Protection for Item Not Received

    For items less than $750 USD (or equivalent as set out below)*, Proof of Shipment (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

    For items of $750 USD or more (or equivalent as set out below)*, Proof of Delivery (for tangible items)  or Proof of Delivery (for intangible or virtual items or services)

    Protection for Unauthorized Transaction

    Proof of Shipment (for tangible items)  or Proof of Delivery (for intangible or virtual items or services)

     

    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

     

  3. Colombia Domestic Transactions

    To comply with local regulation, we have decided to close our domestic transactions in Colombia; accordingly we have made the respective additions to the User Agreement:

    Exhibit A - Fees
     

    Argentina (international payments only)
    Bahamas
    Bermuda
    Cayman Islands
    Chile
    Colombia (international payments only)
    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

     

    Exhibit B - Country-Specific Terms.

    Colombia

    As of September 1, 2015, Colombian Resident PayPal Users may only send and receive international payments. Domestic payments between two Colombian Resident PayPal Users are unavailable.

    *Colombian Resident” is defined to mean:

    1. an individual, regardless of actual nationality, who has indicated Colombia as his/her country or region at the point of signing up for a PayPal Account; and
    2. an entity, partnership, organization or association which has indicated Colombia as its country or region of registration at the point of signing up for a PayPal Account.
       
  4. Transfer of the Mexican Operation to Mexico

    PayPal is transferring its operation with respect to its Users residing in Mexico to a new local entity, Operadora PayPal de México, S. de R.L. de C.V. The foregoing in order to comply with the Payment Network Rules of General Applicability issued by the Mexican Central Bank and published in the Official Mexican Gazette on March 11, 2014.

    Accordingly, the User Agreement will include several minor adjustments to eliminate all references to its applicability to Mexican User Accounts; particularly with respect to Exhibit A (Fees).

     

 

Amendments to the PayPal User Agreement, the PayPal Privacy Policy and the PayPal Acceptable Use Policy

Effective Date: July 1, 2015

PayPal is changing its User Agreement, its Privacy Policy and the Acceptable Use Policy. The amended User Agreement, the Privacy Policy and the Acceptable Use Policy will be effective as to all PayPal users on July 1, 2015. We encourage you to review this Policy Update to familiarize yourself with the changes that are being made. YOUR USE OF PAYPAL OR ITS SERVICES AFTER JULY 1, 2015 MEANS YOU AGREE TO THESE CHANGES.

A summary of material changes is provided below. You can also click HERE to review the complete terms of the revised PayPal User Agreement, HERE to review the complete terms of the revised PayPal Privacy Policy and HERE to review the complete terms of the revised Acceptable Use Policy in their entirety. 

 

Amendments to the PayPal User Agreement

The update to the User Agreement is effective July 1, 2015. A summary of material changes is provided below. You can also click HERE to review the complete terms of the revised User Agreement in its entirety.

 

PayPal and eBay Separation
PayPal and eBay will be separate companies soon.We’ve updated the PayPal User Agreement to reflect how the PayPal services will work post separation given that PayPal and eBay will no longer be affiliates.

  • Section 4.2
    This section currently allows PayPal to debit your Account to pay PayPal or its parent company, eBay, for any amounts that are more than 180 Days past due.The revised section allows, post separation, PayPal to debit user’s PayPal Account(s) and pay PayPal, an Affiliate or eBay Inc. for amounts that are 180 Days past due.

    The revised section 4.2 reads as follows:

    4.2 Setoff of Past Due Amounts. If you have a past due amount owed to PayPal, an Affiliate, or eBay, PayPal may debit your Account to pay any amounts that are more than 180 Days past due.
  • Section 11.1(c)
    If eBay decides in favor of your buyer under the eBay Money Back Guarantee program, this section provides PayPal your authorization to reimburse eBay or your buyer directly for the amount of the claim.

    The revised section 11.1(c) reads as follows:

    (c) Liability for claims filed under eBay’s Money Back Guarantee program. If you are an eBay Seller and eBay makes a final decision pursuant to its eBay Money Back Guarantee program holding you liable to reimburse the buyer, then you authorize PayPal to remove funds from your Account in an amount not greater than the amount of such claim and remit such funds to eBay. If your balance is insufficient to cover the amount of such a claim, PayPal will place a hold on your Account. This hold will remain on your Account until: (1) the date that sufficient funds become available to cover the amount of such claim, at which time such funds will be removed from your Account; or (2) 20 Days from the date of eBay's final decision, at which time an amount not greater than the amount of such claim will be removed from your Account. 
  • Section 11.4
    This section currently allows PayPal to use information it receives from third party partners such as eBay to place a hold on a user’s PayPal Account.This section is being changed to reflect that PayPal may use information it receives from any third parties including eBay to place a hold on a user’s PayPal Account.

    The revised section 11.4 reads as follows:

    11.4 Actions by PayPal - Holds.
    1. Risk-Based Holds. PayPal, in its sole discretion, may place a hold on any or all of the payments you receive when PayPal believes there may be a high level of risk associated with you, your Account, or any or all of your transactions. PayPal’s determination may be based on different factors and PayPal may rely on information it receives from third parties. If PayPal places a hold on a payment, the funds will appear in your “pending balance” and the payment status will indicate the hold, for example it can show as “Completed - Funds not yet available.” If PayPal places a hold on any or all of the payments you receive, PayPal will provide you with notice of our actions. PayPal will release the hold on any payment after 30 Days from the date the payment was received into your Account unless PayPal has a reason to continue to hold the payment such as (a) the receipt of a Dispute, Claim, Chargeback, or Reversal, (b) PayPal believes that you have violated the terms of this Agreement or any other Policy and that such a violation results in the need to continue holding the funds, or (c) PayPal believes that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement. PayPal, in its sole discretion, may release the hold earlier under certain circumstances, for example when you upload tracking information of the item you shipped.
    2. Disputed Transaction Holds. If a User files a Dispute, Claim, Chargeback or Reversal on a payment you received, PayPal may place a temporary hold on the funds in your Account to cover the amount of the liability. If you win the dispute or the transaction is eligible for PayPal Seller Protection, PayPal will lift the temporary hold. If you lose the dispute, PayPal will remove the funds from your Account. This process also applies to any claim that a buyer files directly with eBay through the eBay Money Back Guarantee program, provided that your Account is your reimbursement method for amounts you owe to eBay or to the buyer (as the case may be) under the terms of the eBay Money Back Guarantee program.

 

Changes to PayPal Buyer Protection
We are increasing the scope of PayPal Buyer Protection to now include coverage for intangible items. References to intangible items have been removed from the new Section 7.3 which reads as follows:

7.3 Ineligible Items. Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:

  • Real estate
  • Businesses (when you buy a business)
  • Vehicles, including motorcycles, caravans, aircrafts and boats
  • Custom made items with SNAD issues
  • Items that violate PayPal's Acceptable Use Policy
  • Items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
  • Industrial machinery used in manufacturing
  • Items equivalent to cash, including prepaid or gift cards
  • Personal Payments

Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.

 

Changes to PayPal Seller Protection
Although we are expanding PayPal Buyer Protection to buyers for intangible items, Seller Protection will not apply to intangible items. We are including a note in this section about this. In addition, we are adding a definition of Proof of Delivery for intangible or virtual items or services which can help a seller win a buyer’s Item Not Received Buyer Protection Claim.

For Sellers in Mexico, the revised subsection 4 reads as follows:

4. Proof of Shipment, Proof of Delivery, and Signature Confirmation Requirements.

“Shipping Company”: a “Shipping Company” is any one of the following:

  • FedEx
  • UPS
  • DHL
  • Estefeta
  • Multipack

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

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

“Proof of Delivery” for intangible items means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

  1. The date the item is delivered;
  2. The recipient’s address (email/IP, etc) where applicable.

NOTE: Although PayPal Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items. However, having proper Proof of Delivery can help a seller win a buyer’s Item Not Received Buyer Protection Claim. 

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

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

    2,500MYR

    Mexican Peso

    $10,000

    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

    1,600TRY

    U.K. Pounds Sterling

    £450 GBP

    U.S. Dollar

    $750 USD

"Signature Confirmation" is online documentation that can be viewed at the shipping company's website and indicates that the item was signed for on delivery.

 

For Sellers in China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam, the revised postage requirements read as follows:

Postage requirements for Sellers in China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam

 

Postage requirement

Protection for Item Not Received

For items less than $750 USD (or equivalent as set out below)*, Proof of Shipment or Proof of Delivery (for intangible or virtual items or services)
For items of $750 USD or more (or equivalent as set out below)*, Proof of Delivery (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

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

 

“Proof of Shipment” means online or physical documentation from a shipping company that includes all of the following:

  1. Status of “shipped” (or equivalent) and the date of postage;
  2. The recipient’s name and address must match those shown on the “Transaction Details” page;
  3. The sender’s name and address must match the Seller’s name and address;
  4. Online tracking information showing status of shipment.

“Proof of Delivery (for tangible items)” means online or physical documentation from a shipping company that includes (or where the shipping company warrants that they have obtained) all of the following:

  1. A status of “delivered” (or equivalent) and the date of delivery;
  2. The recipient’s name and address must match those shown on the “Transaction Details” page;
  3. Online documentation that can be viewed at the shipping company’s website and indicates that the item was signed for on delivery.

“Proof of Delivery (for intangible or virtual items or services)” means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

  1. The date the item or service was provided;
  2. The recipient’s address (email/IP, etc) where applicable.

NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

 

For Sellers in Turkey and Israel, “Proof of Delivery” reads as follows:

What is "Proof of Delivery" for Sellers in Turkey and Israel?

“Proof of Delivery (for tangible items)” means online documentation from a postal company that includes (or where the postal company warrants that they have obtained) all of the following:

  1. A status of “delivered” (or equivalent) and the date of delivery.
  2. The recipient’s address, showing at least the city/county or postcode (or international equivalent).

"Proof of Delivery (for intangible or virtual items or services)” is any compelling evidence to show the purchase order was fulfilled and includes all of the following:

  1. The date the item or service was delivered;
  2. The recipient's address (email/IP, etc.) where applicable.

NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

 

For Sellers in Turkey and Israel, a new Suspension of Eligibility for PayPal Seller Protection section is inserted and reads as follows:

Suspension of Eligibility for PayPal Seller Protection

We may suspend your eligibility for PayPal Seller Protection if we hold a reasonable belief that there is an increased risk associated with your account. In assessing a risk, we will consider the:

  • Total monetary amount and/or number of Reversals issued against your PayPal account;
  • Reasonable risk of your account to the integrity of PayPal and our system; and
  • Potential losses occurring to us or our users.

We may suspend your eligibility for PayPal Seller Protection if it is linked or associated with another account which has been suspended.

We will lift the suspension provided we no longer hold a reasonable belief that there is an increased risk associated with your account.

If we reasonably believe a risk still exists, we may in our sole discretion, require you to take certain action in order to lift the suspension of your eligibility for PayPal Seller Protection. You must follow our directions as reasonably required by PayPal within the timeframe specified.

We will notify you by email if we suspend or lift the suspension of your eligibility for PayPal Seller Protection.

 

The revised section 9.4 of the PayPal User Agreement reads as follows:

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

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

"Proof of Delivery (for tangible items)" is online documentation from a shipping company that includes all of the following:

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

 

"Signature Confirmation" is online documentation that can be viewed at the shipping company's website and indicates that the item was signed for on delivery.

“Proof of Delivery (for intangible or virtual items or services)” means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

  1. The date the item or service was provided;
  2. The recipient’s address (email/IP, etc) where applicable.

NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

  • Section 11.1(d)

    Any instructions given by you on your Account, once you have been authenticated, will be relied on by PayPal and PayPal will not be liability for any loss or damage you suffer where PayPal acts on those instructions in good faith. 

    A new clause 11.1(d) is inserted to that effect and reads as follows:
  1. Liability for instructions given by you on your Account. Any instructions given by you on your Account (whether verbal or in writing) once you have been authenticated will be relied on by PayPal. PayPal will not be liable for any loss or damage you or anyone else suffers where PayPal acts on those instructions in good faith, unless it was proved that PayPal was negligent.
  • Section 11.3

    If a PayPal user engages in any restricted activities as defined by the PayPal User Agreement, we’ve added language to Section 11.3 that allows PayPal to suspend your eligibility for PayPal Buyer Protection and/or PayPal Seller Protection.

    The revised section 11.3 reads as follows:

    11.3 Actions by PayPal – Restricted Activities. If PayPal, in its sole discretion, believes that you may have engaged in any Restricted Activities, we may take various actions to protect PayPal, Affiliates other Users, other third parties or you from Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:
    1. We may close, suspend, or limit your access to your Account or the PayPal Services;
    2. We may suspend your eligibility for PayPal Buyer Protection and/or PayPal Seller Protection;
    3. We may refuse to provide the PayPal Services to you now and in the future; and
    4. We may hold your funds for a period of time reasonably needed to protect against the risk of liability to PayPal or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions.
  • Section 13.1

    We are updating the Limitations of Liability reflected in the PayPal User Agreement to clarify that (1) among the damages for which PayPal and others listed in Section 13.1 cannot be held liable are damages for loss of data or business, and (2) that the limitations of liability reflected in Section 15.1 are applicable except and to the extent prohibited by law.

    The revised Section 13.1 reads as follows:

    13.1 Limitations of Liability. IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, THE PAYPAL SERVICES, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE) UNLESS AND TO THE EXTENT PROHIBITED BY LAW OUR LIABILITY, AND THE LIABILITY OF OUR PARENT, SUBSIDAREIS AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.
  • Changes to Exhibit A – Fees

    New hotel merchant rates are inserted in Exhibit A – Fees of the PayPal User Agreement and reads as follows:
  1. Hotel merchant rate

    The hotel merchant rate is only available to hotel merchants with PayPal Accounts registered in Singapore, Malaysia, Indonesia, Thailand, Vietnam and Philippines that:
    1. integrate their point of sale with a PayPal approved internet booking engine partner at their own cost;
    2. hold a valid Business Account in good standing; and
    3. obtain approval from PayPal.

      PayPal will determine in its sole discretion whether you are approved for the hotel merchant rate. The hotel merchant rate is limited to processing payments received for goods and services relating to your hotel business only. Notwithstanding any other rights we have under this Agreement, we may in our sole discretion, immediately revoke your approval for the hotel merchant rate.

      If you are approved for the hotel merchant rate, you will pay:
       

      Domestic payments (where applicable) and International payments

      Standard Rate:

      2.8%

  • Personal Payments Fee - Brazil

    We are reducing the fee for sending or receiving a Personal Payment to a recipient resident in Brazil which is fully or partially funded by debit or credit card from 7.4% + Fixed Fee to 5.99% + Fixed Fee. The relevant entry in the table of fees for Personal Payments Fee set forth on Section 5 “Fees for Other Pricing Categories”, item “d” “Personal Payments Fee” of “Exhibit A - Fees” (presented in context with the column headings) now reads as follows:
     

    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 International Payments

    Brazil

    1.0%

    5.99% + Fixed Fee

  • Currency Conversion Fee – LATAM countries

    We are updating PayPal Currency Conversion fee set forth on Section 4 “Additional Fees” of “Exhibit A - Fees” from 3.5% to 4.5% on the following LATAM countries: 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, 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. This fee is applicable when a payment requires a currency conversion.
  • Commerical Payments Fee: Receiving International Commercial Payments

    We are updating fees for receiving international commercial payments. The update affects sellers in Albania, Bosnia & Herzegovina, Croatia, Georgia, Moldova, Serbia. The relevant entry in the table of fees, ‘Receiving Commercial Payments’ table in section 2 of Exhibit A - Fees, now reads as follows:
     

    Activity

    Seller’s Country

    Buyer’s Country

    Fee

    Receiving
    Commercial
    Payments

    Turkey, Andorra, Iceland, Monaco


    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

    Albania, Bosnia & Herzegovina, Croatia, Georgia, Moldova, Serbia,


    Northern Europe*:

    Standard Rate:

    3.8% + Fixed Fee

    Merchant Rate^:

    From 2.8% to 3.8% + Fixed Fee

     

    Europe I **:

    Standard Rate:

    3.9%+ Fixed Fee

    Merchant Rate^:

    From 2.9% to 3.9% + Fixed Fee

     

    U.S, Canada:

    Standard Rate:

    4.4%+ Fixed Fee

    Merchant Rate^:

    From 3.4% to 4.4% + Fixed Fee

     

    Europe II ***:

    Standard Rate:

    4.7% + Fixed Fee

    Merchant Rate^:

    From 3.7% to 4.7% + Fixed Fee

     

    All other countries:

    Standard Rate:

    5.2% + Fixed Fee

    Merchant Rate^:

    From 4.2% to 5.2% + Fixed Fee

     

    Fixed Fee

     

    See in table above

 

Amendments to the PayPal Privacy Policy

PayPal is changing its Privacy Policy, including to reflect the new relationship that PayPal will have with eBay Inc. and its affiliates (“eBay”) after the companies are no longer affiliated by common corporate control. The update to the Privacy Policy is effective July 1, 2015. Click HERE to review the complete terms of the updated Privacy Policy in its entirety.

 

Binding Corporate Rules & Cross Border Transfers of Personal Information

PayPal is committed to adequately protecting your personal information regardless of where the data resides. Following separation from eBay, PayPal will rely on a variety of methods to ensure adequate transfer of information across borders, including contractual mechanisms. We have changed the title of the “Binding Corporate Rules” section to “Cross Border Transfers of Personal Information” and updated the language in the section, including removing references to eBay’s Binding Corporate Rules.

Collection of Personal Information

This section has been updated in several ways reflecting the types of personal information collected for PayPal Services, including information collected from your computer or device, information collected during customer support cases, survey responses, and information from other accounts PayPal believes are controlled by a user.

As users increasingly access PayPal Services through mobile devices, we also added language highlighting the collection of information from mobile devices, including device identifiers and location information.

How We Use The Personal Information we Collect

This section has been updated and highlights the purposes for which we use personal information, including for identity verification purposes, the performance and customization of PayPal Services, and our reasons and methods for contacting you.

How We Use Cookies and Similar Technologies

This section has been updated explaining our use of Cookies and other tracking technologies, and to describe how we use these technologies for risk mitigation and fraud detection purposes. We also provide a link to our full Cookies policy, which is applicable to all members of PayPal’s corporate family. 

How We Share Information with Other PayPal Users

Changes have been made to this section explaining how personal information may be shared with other users of PayPal Services during transactions, transactional disputes, or when linking a PayPal merchant’s loyalty or gift card to a user account.

How We Share Information with Other Third Parties

This section was modified reflecting, among other things, the changing nature of the relationship between PayPal and eBay. Both parties will be separate entities, but would like to continue to provide users with the experiences they have come to expect. The changes to this section reflect PayPal’s sharing of account information with eBay and other third parties for purposes of fraud prevention and risk management, customer service, shipping and legal compliance.

As has always been the case, third parties will not be able to use this information for their marketing purposes without a user’s express consent.

Using Log In with PayPal

This section was updated to reflect the name change of PayPal Access to Log In with PayPal.

 

Amendments to the PayPal Acceptable Use Policy

The update to the Acceptable Use Policy is effective July 1, 2015. A summary of material changes is provided below. You can also click HERE to review the complete terms of the revised Acceptable Use Policy in its entirety.

  • Tobacco Products, E-cigarettes and Prescription Drugs and Devices

    The Acceptable Use Policy currently prohibits use of PayPal for activities that violate applicable law or industry regulations regarding the sale of tobacco products or prescription drugs and devices. We're replacing that prohibition with some new policy language covering these types of items, as well as e-cigarettes. Under the new language, use of PayPal for cigarette transactions will be prohibited. In addition, merchants will be permitted to use PayPal for sales of non-cigarette tobacco products, e-cigarettes, and prescription drugs and devices only with PayPal’s pre-approval.

    The changes will be as follows: 
    • Section 5 under Prohibited Activities, which contains the current provisions related to tobacco products and prescription drugs and devices, will be removed. 
    • A new Section 2(c) under Prohibited Activities will read as follows:

      You may not use the PayPal service for activities that: … 2. relate to transactions involving … (c) cigarettes …
    • The relevant parts of the chart under Activities Requiring Approval will be revised to read as follows:

      PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.
       

      Service Requiring Pre-Approval

      Contact Information

      … selling … non-cigarette tobacco products, e-cigarettes or prescription drugs/devices.

      Please send contact information, business website URL and brief business summary to aup@paypal.com

  • Hate, violence, racial intolerance and the financial exploitation of a crime

    We’re revising the provision of the Acceptable Use Policy related to hate, violence, racial intolerance and the financial exploitation of a crime. That provision will be moved from Section 2(e) to Section 2(f) under Prohibited Activities and read as follows:

    You may not use the PayPal service for activities that: … 2. relate to transactions involving … (f) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime …
  • Bribery and Corruption

    We’re adding to the Acceptable Use Policy an express prohibition against use of PayPal for payments related to bribery or corruption. A new Section 3(k) under Prohibited Activities will read as follows:

    You may not use the PayPal service for activities that: … 3. relate to transactions that … (k) involve offering or receiving payments for the purpose of bribery or corruption.
  • Gambling

    The Acceptable Use Policy currently prohibits use of PayPal for gambling-related activities unless they are legal in the places where the operator and the customers are located and the operator has received prior approval from PayPal. We’re making some changes to present that policy more clearly, including to clarify that it covers fantasy sports.

    Here is some additional detail on the changes: Our policy on gambling-related activities is currently set out in Section 6 under Prohibited Activities. We’re removing Section 6 and we’re adding a new row to the chart under Activities Requiring Approval that sets out our policy on gambling-related activities.

    In that new row, we’re preserving the non-exclusive list of covered gambling-related activities contained in the current Acceptable Use Policy, with two changes. First, we’re supplementing the list to clarify that fantasy sports are covered. Second, we’re making a change to some language in the current Acceptable Use Policy related to games of skill. The current language indicates that games of skill are covered, whether or not they are legally defined as lotteries. The revised language will reference gambling instead of lotteries. That is, it will indicate that games of skill are covered, whether or not they are legally defined as gambling.

    The relevant parts of the chart under Activities Requiring Approval will be revised to read as follows:

    PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.
     

    Service Requiring Pre-Approval

    Contact Information

    Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.

    Please send contact information, business website URL and brief business summary to aup@paypal.com

  • Air Transport Services

    We’re adding a provision under which PayPal may be used in connection with certain air transport services only with PayPal’s pre-approval. The relevant parts of the chart under Activities Requiring Approval will be revised to read as follows:

    PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.
     

    Service Requiring Pre-Approval

    Contact Information

    Airlines and scheduled or non-scheduled charters/jets/air taxi operators …

    Please send contact information, business website URL and a brief business summary to compliance@paypal.com

  • Transactions on eBay

    The Acceptable Use Policy currently includes a provision under Transactions on eBay related to use of PayPal in support of eBay transactions. That provision requires, with respect to such use of PayPal, compliance both with the Acceptable Use Policy and with eBay’s rules related to prohibited and restricted items set forth on eBay’s website. In connection with the prospective separation of the eBay and PayPal businesses into independent publicly traded companies, we’re removing that provision from the Acceptable Use Policy.

 

 

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.”