Last updated: May 7, 2019

Buying is free within the US.

Buying online or in-store purchases

We don't think it makes any sense to charge you fees for buying online or in-store in the US. Spend freely (but wisely).

Selling is 2.9% + $0.30 per sale.

That's a small price to pay for accepting major forms of payment from any of the million active customers worldwide. There are no hidden PayPal fees. You don't have to pay anything until you get paid for selling something. Our rates are some of the most competitive in the industry – keeping you in business and your customers happy.

More about PayPal merchant fees

Sales within the US 2.9% + $0.30 per transaction
Discounted rate for eligible charities 2.2% + $0.30 per transaction
International sales 4.4% transaction fee plus a fixed fee based on currency received
PayPal HereTM card reader 2.7% when you swipe a card or 3.5% plus $0.15 for manually entered transactions

Transferring balance from Personal Accounts.

If you are a U.S. PayPal account holder, you can transfer money out of PayPal in two ways. * Standard transfers made using your linked bank account are always free and are usually deposited the next business day. ** Now, with Instant Transfer, for a fee you can transfer funds even faster to your eligible bank account or debit card. Instant Transfers to eligible banks and debit cards are typically completed in minutes. *** You can choose between your eligible linked bank accounts and debit card(s) when you make a transfer. Eligible debit cards include Visa and MasterCard debit that participate in Instant Transfers. Participation of these cards is driven by the card issuer. Eligible banks include those participating in The Clearing House Real Time Payments program.

Standard transfer to linked bank account Free
Instant transfer with eligible linked debit card or bank account 1% of amount transferred, with a maximum fee of $10.00

Instant Transfer Withdrawal Limits for Debit Cards

  • Up to $5,000 per transaction
  • Up to $5,000 per day
  • Up to $5,000 per week
  • Up to $15,000 per month

Instant Transfer Withdrawal Limits for Bank

  • Up to $25,000 per transaction

Sending money to friends and family.

We’ll always post the current fees for sending money to friends and family on this page, and we will disclose the fees to you in advance each time you initiate a transaction to send money to a friend or family member. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide advance notice on our Policy Updates page. You must have or open a PayPal account to send or receive money.

Sending in the U.S.

If you are a U.S. PayPal account holder sending money to a friend or family member who uses PayPal in the U.S., you may pay a fee, depending on how you pay.

Payment method: Fees:
Funded by your PayPal Cash or PayPal Cash Plus balance or a bank account linked to PayPal. Fee is waived.
Funded by a credit card, debit card or PayPal Credit. 2.9% of the amount funded this way, plus a fixed fee (from the table below) based on the currency of the transaction.

Sending to other countries.

If you are a U.S. PayPal account holder sending money to a friend or family member with a PayPal account in a country other than the U.S., the fee you pay depends on the Payment Method used and the amount you are sending.

Payment method: Fees
Transaction Fee Funding Fee
Funded by your PayPal balance or a bank account linked to your PayPal account. 5% of the send amount with
  • a minimum of $0.99 USD
  • a maximum of $4.99 USD
  • No funding fee
    Funded by a credit card, debit card or PayPal Credit. 5% of the send amount with
  • a minimum of $0.99 USD
  • a maximum of $4.99 USD
  • 2.9% of the transaction amount funded this way plus a fixed fee based on currency (from the table below).

    Fixed fees for sending in other currencies.

    Currency Fee
    Australian Dollar: 0.30 AUD
    Brazilian Real: 0.60 BRL
    Canadian Dollar: 0.30 CAD
    Czech Koruna: 10.00 CZK
    Danish Krone: 2.60 DKK
    Euro: 0.35 EUR
    Hong Kong Dollar: 2.35 HKD
    Hungarian Forint: 90 HUF
    Israeli Shekel: 1.20 ILS
    Japanese Yen: 40 JPY
    Malaysian Ringgit: 2.00 MYR
    Mexican Peso: 4.00 MXN
    Currency Fee
    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
    Taiwan New Dollar: 10.00 TWD
    Thai Baht: 11.00 THB
    U.K. Pounds Sterling: 0.20 GBP
    U.S. Dollar: 0.30 USD