PayPal Merchant Fees

Relevant Markets/Regions

Rates published below apply to PayPal accounts of residents of the following :

Commercial Transaction Rates

When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, send or receive a charity donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

Receiving international transactions

The fee for receiving domestic commercial and QR Code transactions applies plus the additional percentage-based fee for international commercial transactions.

Additional service fee for recipients of UK based international commercial transactions

This fee only applies to merchants who have separate agreements with PayPal. An additional service fee, following a change in applicable laws, regulations or card scheme rules relating to the sending or receipt of commercial transactions, may be applied on the amount of a commercial transaction received by merchants with a PayPal account registered in the EEA market/region from a sender whose account is registered with or identified by PayPal as being in the UK market/region.

Charity Transaction Rates

Charity transaction rates are subject to application and pre-approval by PayPal. Once approved by PayPal, these rates will apply to all commercial transaction payments received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.

Receiving international charity transactions

The fee for receiving domestic charity transactions applies plus the additional percentage-based fee for international commercial transactions.

Alternative Payment Method Rates

Depending on the offering, alternative payment methods (APMs) may be made available as Payment Types for your customers.

For a complete listing of the APMs that may be available, please see your market’s APM agreement. You must accept the terms of your market’s APM agreement before receiving APM payments.

Receiving international transactions

The additional percentage-based fee for receiving international transactions does not apply when you receive APM payments.

PayPal Online Payment Services

Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of the terms of the PayPal Online Payment Services Agreement. These rates will apply to all commercial transaction payments received using PayPal Online Payment Services.

Capitalized terms in this section are defined in the PayPal Online Payment Services Agreement.

Receiving international transactions using PayPal Online Payment Services

The fee for receiving domestic transactions using PayPal Online Payment Services applies plus the additional percentage-based fee for international transactions. The additional fee does not apply to interchange-based fees under the Interchange Plus or Interchange Plus Plus Fee Structure, American Express card type transactions, and APM (as applicable).

PayPal Point of Sale Fees

Use of PayPal Point of Sale is subject to eligibility, application, approval by PayPal and your acceptance of the PayPal Point of Sale Agreements (formerly known as the PayPal Zettle Terms and Conditions). These fees will apply to the following payment types received using PayPal Point of Sale.

PayPal Payouts

PayPal Payouts (which includes the service formerly known as Mass Pay) allows you to easily send payments to multiple recipients at once. We charge you a fee for each payment you send using PayPal Payouts. The fee is based on the type of payment and currency in which it is sent.

Maximum fee cap for PayPal Payouts

Based on payment currency:

Micropayments

Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates can be ideal as an alternative to standard commercial transaction rates for business that process payments under 5.00 EUR. If you upgrade to the Micropayment rate, this rate will apply to all commercial transaction payments received into your PayPal account. Please contact us to apply for the Micropayment rate.

Micropayments fixed fee

Based on payment currency:

Chargeback Fees

For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, we assess a settlement fee to sellers for credit and debit card transaction chargebacks (a chargeback may occur when a buyer rejects or reverses a charge on his or her card through the card issuer).

The chargeback fee is based on the currency received as follows:

Dispute Fees

We may charge a Dispute Fee when a buyer files a dispute claim or chargeback for a transaction that was processed through the buyer’s PayPal account or a PayPal checkout solution. Please see the User Agreement for more information about Standard and High Volume Dispute fees.

Dispute fees will be applied in the currency of the original transaction.

Currency Conversions

For information about how we convert currency, please see the user agreement.

Please access the Currency Converter tool below to indicate the applicable rate that may apply to your transaction. Any rates shown are subject to change based on time and date of the completed transaction.

Currency Converter Tool

ECheque Fees

Sometimes the sender of a payment you receive may use an ECheque as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the user agreement for more information about ECheques. When you receive an eCheque funded payment we apply the fee you agreed to pay to receive the payment up to a monetary cap indicated below (based on the currency received):

Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible cards. A currency conversion (and currency conversion fees) may also apply.