PayPal Merchant Fees


Last Updated: 15, October 2024

You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. You can also view these changes by clicking ‘Legal’ at the bottom of any web-page and then selecting ‘Policy Updates’.

All information regarding fees for Australian customers is available in our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). To the extent there is any inconsistency between this page, and the CFSGPDS, the latter will prevail.

Domestic: A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents of the same market.

International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. Certain markets are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Market/Region Grouping Table.

Market Code Table: We may refer to two-letter market codes throughout our fee pages. For a complete listing of PayPal market codes, please access our Market Code Table.

Relevant Market/Region

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

Market/Region list

Australia (AU)

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Commercial Transaction Rates

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

Standard rate for receiving domestic transactions

Transaction TypeRate
Commercial Transactions2.60% + fixed fee
QR Code Transactions1.20%

Receiving international transactions

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

Additional percentage-based fee for international commercial transactions

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Commercial Transactions+1.00%
QR Code Transactions+1.00%

Fixed fee for commercial transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers Terms and Conditions to send or receive funds (using one of the payment types listed below), we call that a “donation”. Funds sent or received through other products or services (not set out below) are not “donations” eligible for donations pricing. In such cases, the applicable transaction rates will apply and will be subject to the fees disclosed for such products or services on the applicable fees page.

Standard rate for receiving domestic donations

Transaction TypeRate
Donation (other than PayPal Fundraisers donations)2.60% + fixed fee
QR code TransactionsCommercial Transaction rates for QR Code Transactions apply
PayPal Fundraisers (Listed)Commercial Transaction rates apply
PayPal Fundraisers (Unlisted)No fee

Receiving international donations

The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.

Additional percentage-based fee for international donations

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Donation (other than PayPal Fundraisers donations)+1.00%
QR code TransactionsCommercial Transaction rates for QR Code Transactions apply

Fixed fee for donations (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

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Standard rate for sending domestic donations

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other DonationsNo fee

Standard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending international personal transactions rates
All Other DonationsNo fee (when no currency conversion is needed)

Charity Transaction Rates

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

Receiving domestic charity transactions

Transaction TypeRate
Australia (AU)1.10% + fixed fee
QR Code TransactionsCommercial Transaction rates for QR Code Transactions apply

Receiving international charity transactions

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

Additional percentage-based fee for international charity transactions

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Outside of AU+1.00%
QR code TransactionsCommercial Transaction rates for QR Code Transactions apply

Fixed fee for charity transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

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Alternative Payment Method Rates

We may allow your customers to choose any of the alternative payment methods (APM) listed in our APM agreement at checkout to pay you for purchases.

For a complete listing of the APMs we support, please see Annex 1 of your market’s APM agreement. You must accept the terms of your market’s APM agreement before receiving APM payments.

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PayPal Online Card 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 Card Payment Services Agreement. These rates will apply to all commercial transaction payments received using PayPal Online Card Payment Services.

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

Receiving domestic transactions using PayPal Online Card Payment Services

Payment typeRate
Advanced Credit and Debit Card Payments1.75% + fixed fee
Website Payments Pro – Hosted Solution1.75% + fixed fee
Virtual Terminal3.60% + fixed fee

For Advanced Credit and Debit Card Payments users only: You may opt to be charged under the Interchange Plus Plus Fee Structure. Please Contact Sales for further information. The additional terms outlined in PayPal Online Card Payment Services Agreement apply.

Charity rates for receiving domestic transactions using PayPal Online Card Payment Services

Charity rates for receiving transactions using the below PayPal Online Payment Services are subject to eligibility, application, and pre-approval by PayPal. See our PayPal Online Card Payment Services Agreement for more details about the below services.

Payment typeRate
Advanced Credit and Debit Card Payments1.10% + fixed fee
Website Payments Pro – Hosted Solution1.75% + fixed fee
Virtual Terminal3.60% + fixed fee

Receiving international transactions using PayPal Online Card Payment Services

The fee for receiving domestic PayPal Online Card Payment Services transactions applies plus the additional percentage-based fee for international PayPal Online Card Payment Service transactions.

Additional percentage-based fee for international PayPal Online Card Payment Services transactions

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Advanced Credit and Debit Card Payments+1.85%
Website Payments Pro – Hosted Solution+1.85%
Virtual Terminal+1.00%

Additional percentage-based fee for international charity PayPal Online Card Payment Services transactions

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Advanced Credit and Debit Card Payments+1.00%
Website Payments Pro – Hosted Solution+1.85%
Virtual Terminal+1.00%

Fixed fee for PayPal Online Card Payment Services transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Other fees for using PayPal Online Card Payment Services

ActivityDescriptionFee
Chargeback ProtectionOptional Service for Advanced Credit and Debit Card Payments0.40% per transaction
Fraud Protection AdvancedOptional Service for Advanced Credit and Debit Card Payments0.10 AUD per transaction
Website Payments Pro – Hosted Solution or APIMonthly Fee (includes GST)25.00 AUD
Website Payments Pro – Hosted Solution or API and Virtual TerminalMonthly Fee (includes GST)25.00 AUD
Virtual TerminalMonthly Fee (includes GST)25.00 AUD

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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.

Sending PayPal Payouts

TransactionRate
PayPal Payouts2.00% of total transaction amount (not to exceed the maximum fee cap below)

Maximum fee cap for PayPal Payouts

Based on payment currency:

CurrencyDomestic Maximum Fee CapInternational Maximum Fee Cap
Australian dollar1.25 AUD60.00 AUD
Brazilian real2.00 BRL100.00 BRL
Canadian dollar1.25 CAD60.00 CAD
Czech koruna24.00 CZK1000.00 CZK
Danish krone6.00 DKK300.00 DKK
Euro0.85 EUR40.00 EUR
Hong Kong dollar7.00 HKD400.00 HKD
Hungarian forint210.00 HUF15,000.00 HUF
Israeli new shekel4.00 ILS200.00 ILS
Japanese yen120.00 JPY5000.00 JPY
Malaysian ringgit4.00 MYR200.00 MYR
Mexican peso11.00 MXN750.00 MXN
New Taiwan dollar33.00 TWD2000.00 TWD
New Zealand dollar1.50 NZD75.00 NZD
Norwegian krone6.75 NOK300.00 NOK
Philippine peso50.00 PHP2500.00 PHP
Polish zloty3.00 PLN150.00 PLN
Russian ruble30.00 RUB1500.00 RUB
Singapore dollar1.60 SGD80.00 SGD
Swedish krona9.00 SEK400.00 SEK
Swiss franc1.30 CHF50.00 CHF
Thai baht36.00 THB2000.00 THB
UK pounds sterling0.65 GBP35.00 GBP
US dollar1.00 USD50.00 USD

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Micropayments

Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates will be applicable as an alternative to standard commercial transaction rates for business that process payments under 10.00 AUD. 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.

Receiving micropayments

TransactionRate
Domestic micropayments5.00% + micropayments fixed fee
International micropayments6.00% + micropayments fixed fee

If you are a Legacy Micropayment Pricing Seller as defined in the Combined Financial Services Guide and Product Disclosure Statement, you will pay the rates set out in that document.

Micropayments fixed fee

Based on payment currency:

CurrencyFee
Australian dollar0.05 AUD
Brazilian real0.10 BRL
Canadian dollar0.05 CAD
Czech koruna1.67 CZK
Danish krone0.43 DKK
Euro0.05 EUR
Hong Kong dollar0.39 HKD
Hungarian forint15.00 HUF
Israeli new shekel0.20 ILS
Japanese yen7.00 JPY
Malaysian ringgit0.20 MYR
Mexican peso0.55 MXN
CurrencyFee
New Taiwan dollar2.00 TWD
New Zealand dollar0.08 NZD
Norwegian krone0.47 NOK
Philippine peso2.50 PHP
Polish zloty0.23 PLN
Russian ruble2.00 RUB
Singapore dollar0.08 SGD
Swedish krona0.54 SEK
Swiss franc0.09 CHF
Thai baht1.80 THB
UK pounds sterling0.05 GBP
US dollar0.05 USD

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Chargeback Fees

To cover the cost of processing chargebacks, 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).

This fee does not apply if the transaction is eligible for PayPal Seller Protection.

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

Chargeback fees

CurrencyFee
Australian dollar15.00 AUD
Brazilian real20.00 BRL
Canadian dollar15.00 CAD
Czech koruna250.00 CZK
Danish krone60.00 DKK
Euro11.25 EUR
Hong Kong dollar75.00 HKD
Hungarian forint2,000.00 HUF
Israeli new shekel40.00 ILS
Japanese yen1,300.00 JPY
Malaysian ringgit40.00 MYR
Mexican peso110.00 MXN
CurrencyFee
New Taiwan dollar330.00 TWD
New Zealand dollar15.00 NZD
Norwegian krone65.00 NOK
Philippine peso500.00 PHP
Polish zloty30.00 PLN
Russian ruble320.00 RUB
Singapore dollar15.00 SGD
Swedish krona80.00 SEK
Swiss franc10.00 CHF
Thai baht360.00 THB
UK pounds sterling7.00 GBP
US dollar10.00 USD

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Currency Conversions

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

The transaction exchange rate used for your currency conversion includes a fee which we charge above the base exchange rate. The fee depends on the type of currency conversion, as follows:

For some uses of your PayPal account, PayPal may determine currency conversion is necessary. For any of the following transactions that involve a currency conversion in connection with your PayPal account, the currency conversion fee is 4.0%:

  • Paying for goods or services in a currency other than the currency the goods or services are listed in.
  • Receiving a refund beyond 1 day of the original payment.
  • Sending money to a friend or family member where they receive a different currency from the currency you pay in.
  • Sending money using PayPal’s Payouts (formerly Mass Pay) such that your recipients receive a different currency from the currency you pay in.
For all other PayPal transactions involving a currency conversion, the currency conversion fee is 3.0%.

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 Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS) 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):

Receiving eCheque fees

Payment TypeRate
Per each payment transactionCommercial Transaction Rates

Maximum fee cap for eCheques

CurrencyMaximum fee cap
Australian dollar50.00 AUD
Brazilian real75.00 BRL
Canadian dollar45.00 CAD
Czech koruna850.00 CZK
Danish krone250.00 DKK
Euro35.00 EUR
Hong Kong dollar330.00 HKD
Hungarian forint9,250.00 HUF
Israeli new shekel160.00 ILS
Japanese yen4,000.00 JPY
Malaysian ringgit150.00 MYR
Mexican peso540.00 MXN
New Taiwan dollar1,350.00 TWD
New Zealand dollar60.00 NZD
Norwegian krone270.00 NOK
Philippine peso1,900.00 PHP
Polish zloty140.00 PLN
Russian ruble1,400.00 RUB
Singapore dollar60.00 SGD
Swedish krona320.00 SEK
Swiss franc50.00 CHF
Thai baht1,400.00 THB
UK pounds sterling30.00 GBP
US dollar45.00 USD

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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.

Withdrawing a balance from a business PayPal account

Withdrawal/Transfer toWithdrawal/Transfer TypeRate
Bank accountWithdrawals made to your U.S. account3.00% (when no currency conversion is involved)
CardsStandard1.00% of amount transferred

Minimum and maximum fees

Based on withdrawal currency:

CurrencyMinimum FeeMaximum Fee
Afghan Afghani25.00 AFN1,050.00 AFN
Armenian Dram135.00 AMD5250.00 AMD
Australian dollar0.25 AUD10.00 AUD
Azerbaijan Manat0.45 AZN17.50 AZN
Bahraini Dinar0.10 BHD4.00 BHD
Bangladeshi Taka22.00 BDT880.00 BDT
Belizean Dollar0.50 BZD20.00 BZD
Bulgarian lev0.50 BGN20.00 BGN
Canadian dollar0.25 CAD10.00 CAD
CFA France135.00 XOF5400.00 XOF
Czech koruna5.70 CZK230.00 CZK
Danish krone1.80 DKK70.00 DKK
Eritrean Nakfa3.75 ERN150.00 ERN
Euro0.25 EUR10.00 EUR
Ghanaian Cedi1.55 GHS62.50 GHS
Haitian Gourde25.00 HTG1,000.00 HTG
Hong Kong dollar2.00 HKD80.00 HKD
Hungarian forint70.00 HUF2,900.00 HUF
Iraqi Dinar365.00 IQD14,500.00 IQD
Israeli new shekel1.00 ILS40.00 ILS
Japanese yen30.00 JPY1100.00 JPY
Jordanian Dinar0.20 JOD7.25 JOD
Kuwaiti dinar1.00 KWDNo Max
Kyrgyzstani Som22.50 KGS850.00 KGS
Lebanese Pound380.00 LBP15,250.00 LBP
Lesotho Loti4.00 LSL160.00 LSL
Liberian Dollar37.50 LRD1,500.00 LRD
Macanese Pataca2.00 MOP80.00 MOP
Malaysian ringgit1.00 MYR40.00 MYR
Mauritanian Ouguiya9 MRU360.00 MRU
Mexican peso5.00 MXN200.00 MXN
Mozambican Metical20.00 MZN750.00 MZN
Myanmar Kyat450.00 MMK18,000.00 MMK
New Zealand dollar0.40 NZD15.00 NZD
Norwegian krone1.00 NOK40.00 NOK
Omani Rial0.10 OMR4.00 OMR
Pakistani Rupee45.00 PKR1,800.00 PKR
Philippine peso10.00 PHP500.00 PHP
Polish zloty1.00 PLN40.00 PLN
Qatari zloty1.00 QAR40.00 QAR
Romania new lei1.00 RON40.00 RON
Russian ruble20.00 RUB700.00 RUB
Rwandan Franc250.00 RWF10,000.00 RWF
Salvadoran Colón2.25 SVC90.00 SVC
São Tomé And Príncipe Dobra5.50 STN220.00 STN
Serbian dinar25.00 RSD1000.00 RSD
Singapore dollar0.50 SGD15.00 SGD
South African rand3.60 ZAR145.00 ZAR
Sri Lanka rupee50.00 LKR1800.00 LKR
Swedish krona2.50 SEK100.00 SEK
Thai baht8.00 THB320.00 THB
Tunisian Dinar0.75 TND27.50 TND
Turkish lira3.50 TRY140.00 TRY
Turkmenistani Manat1.00 TMT40.00 TMT
Ugandan Shilling930.00 UGX37,500.00 UGX
United Arab Emirates dirham0.90 AED36.70 AED
UK pounds sterling0.20 GBP8.00 GBP
US dollar0.25 USD10.00 USD
Uzbekistani Som3,000.00 UZS120,000.00 UZS
Venezuelan Bolivar2,000,000.00 VES60,000,000.00 VES
Zambian Kwacha5.50 ZMW215.00 ZMW
All Other CurrenciesNo MinNo Max

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Other Merchant Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.

Other Fees

ActivityDescriptionRate
Bank Return on Withdrawal/Transfer out of PayPalThis fee is charged when a withdrawal/transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided.5.00 AUD
Commercial Transaction RefundsFull Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Partial Refunds
  • If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
Records RequestThis fee will apply for requests of information relating to why we had reasonable justification to refuse your payment order. We will not charge you for records requested in connection with your good-faith assertion of an error in your PayPal account.10.00 AUD (per item)
Security Key CardThis is an electronic device that creates a unique security code that you use to log in to your PayPal account.32.95 AUD (per card)

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