PayPal Merchant Fees

When you sell with us, you can get some of the most competitive rates in the business.

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Last Updated: 10, October 2024

You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. Changes expected to be published on immediate notice, can also be reviewed 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’.

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.

International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees.

Market Code Table: We may refer to two-letter 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

Ireland (IE)

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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, send or receive a charity donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

Standard rate for receiving domestic transactions

Transaction TypeRate
Alternative Payment Method (APM)APM Transaction Rates Apply
Card funded payment from a user of our Terms for Payments without a PayPal account1.20% + fixed fee
QR Code Transactions – 10.01 EUR and above0.90% + fixed fee
QR code Transactions – 10.00 EUR and below1.40% + fixed fee
All Other Commercial Transactions3.40% + fixed fee

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 percentage-based fee for international commercial transactions

Where sender’s market/region isFee
EEANo fee
UK1.29%
All other markets1.99%

Additional service charges 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.

Payment typeFee
Commercial transactions where the recipient’s market/region is registered or identified by PayPal as the EEA1.29%

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 sterling0.30 GBP
US dollar0.30 USD

Fixed fee for QR Code transactions 10.01 EUR and above (based on currency received)

CurrencyFee
Australian dollar0.10 AUD
Brazilian real0.20 BRL
Canadian dollar0.10 CAD
Czech koruna3.00 CZK
Danish krone0.70 DKK
Euro0.10 EUR
Hong Kong dollar0.80 HKD
Hungarian forint30.00 HUF
Israeli new shekel0.40 ILS
Japanese yen12.00 JPY
Malaysian ringgit0.70 MYR
Mexican peso2.00 MXN
CurrencyFee
New Taiwan dollar3.00 TWD
New Zealand dollar0.15 NZD
Norwegian krone1.00 NOK
Philippine peso5.00 PHP
Polish zloty0.50 PLN
Russian ruble3.00 RUB
Singapore dollar0.20 SGD
Swedish krona1.00 SEK
Swiss franc0.10 CHF
Thai baht4.00 THB
UK pounds sterling0.10 GBP
US dollar0.10 USD

Fixed fee for QR code transactions 10.00 EUR and below (based on currency received)

CurrencyFee
Australian dollar0.05 AUD
Brazilian real0.10 BRL
Canadian dollar0.05 CAD
Czech koruna1.50 CZK
Danish krone0.35 DKK
Euro0.05 EUR
Hong Kong dollar0.39 HKD
Hungarian forint15.00 HUF
Israeli new shekel0.20 ILS
Japanese yen6.00 JPY
Malaysian ringgit0.20 MYR
Mexican peso0.55 MXN
CurrencyFee
New Taiwan dollar1.50 TWD
New Zealand dollar0.08 NZD
Norwegian krone0.47 NOK
Philippine peso2.50 PHP
Polish zloty0.23 PLN
Russian ruble1.50 RUB
Singapore dollar0.08 SGD
Swedish krona0.50 SEK
Swiss franc0.05 CHF
Thai baht1.80 THB
UK pounds sterling0.05 GBP
US dollar0.05 USD

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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 domestic charity transactions

TransactionRate
Ireland (IE)1.90% + fixed fee

Receiving international charity transactions

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

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.

Receiving domestic transactions

Payment TypeRate
Alternative Payment Method (APM)1.20% + fixed fee

Receiving international transactions

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

Fixed fee for APM 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 sterling0.30 GBP
US dollar0.30 USD

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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 Payments - Blended Pricing Fee Structure:
  • Visa & MasterCard card types
    		• 1.20% + fixed fee
    Advanced Credit and Debit Card Payments - Interchange Plus Fee Structure:
  • Visa & MasterCard card types
    		• Interchange Fee + 1.20% + fixed fee
    Other PaymentsCommercial Transaction rates apply

    Interchange fee rates: Approximately ranges from 0.2% to 2.0%. See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.

    Receiving international transactions using PayPal Online Card Payment Services

    The fee for receiving domestic transactions using PayPal Online Card 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 Fee Structure, American Express card type transactions, and APM (as applicable).

    Interchange fee rates: Approximately ranges from 0.2% to 2.0%. See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.



    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 sterling0.30 GBP
    US dollar0.30 USD

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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
    Domestic PayPal Payouts2.00% of total transaction amount (not to exceed the domestic maximum fee cap below)
    International PayPal Payouts in Euro or Swedish Krona between PayPal accounts registered in the European Economic Area2.00% of total transaction amount (not to exceed the domestic maximum fee cap below)
    Other International PayPal Payouts2.00% of total transaction amount (not to exceed the international maximum fee cap below)

    Maximum fee cap for PayPal Payouts

    Based on payment currency:

    CurrencyDomestic Maximum Fee CapInternational Maximum Fee Cap
    Australian dollar16.00 AUD100.00 AUD
    Brazilian real24.00 BRL150.00 BRL
    Canadian dollar14.00 CAD90.00 CAD
    Czech koruna280.00 CZK1700.00 CZK
    Danish krone84.00 DKK500.00 DKK
    Euro12.00 EUR70.00 EUR
    Hong Kong dollar110.00 HKD660.00 HKD
    Hungarian forint3080.00 HUF18,500.00 HUF
    Israeli new shekel50.00 ILS320.00 ILS
    Japanese yen1200.00 JPY8000.00 JPY
    Malaysian ringgit50.00 MYR300.00 MYR
    Mexican peso170.00 MXN1080.00 MXN
    New Taiwan dollar440.00 TWD2700.00 TWD
    New Zealand dollar20.00 NZD120.00 NZD
    Norwegian krone90.00 NOK540.00 NOK
    Philippine peso640.00 PHP3800.00 PHP
    Polish zloty46.00 PLN280.00 PLN
    Russian ruble480.00 RUB2800.00 RUB
    Singapore dollar20.00 SGD120.00 SGD
    Swedish krona100.00 SEK640.00 SEK
    Swiss franc16.00 CHF100.00 CHF
    Thai baht460.00 THB2800.00 THB
    UK pounds sterling10.00 GBP60.00 GBP
    US dollar14.00 USD90.00 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 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.

    Receiving micropayments

    TransactionRate
    Domestic micropayments5.00% + micropayments fixed fee
    International Mass Payments in Euro or Swedish Krona between PayPal accounts registered in the European Economic Area5.00% + micropayments fixed fee
    Other International micropayments6.00% + micropayments fixed fee

    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 covered by the PayPal Seller Protection Policy.

    The chargeback fee is only applied to transactions that are received in the currencies listed below:

    Chargeback fees

    CurrencyFee
    Euro16.00 EUR
    UK pounds sterling14.00 GBP

    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

    Converting balance and payments received into another currency and transactions for which a receiver has agreed to bear the currency conversion

    Rate
    3.00% above the base exchange rate

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    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):

    Receiving eCheque fees

    Payment TypeRate
    Per each payment transactionCommercial Transaction Rates

    Maximum fee cap for eCheques

    CurrencyAll other applicable countries/territories
    Australian dollar7.50 AUD
    Brazilian real10.00 BRL
    Canadian dollar7.50 CAD
    Czech koruna120.00 CZK
    Danish krone30.00 DKK
    Euro5.00 EUR
    Hong Kong dollar38.00 HKD
    Hungarian forint1000.00 HUF
    Israeli new shekel20.00 ILS
    Japanese yen650.00 JPY
    Malaysian ringgit20.00 MYR
    Mexican peso55.00 MXN
    New Taiwan dollar165.00 TWD
    New Zealand dollar7.50 NZD
    Norwegian krone33.00 NOK
    Philippine peso250.00 PHP
    Polish zloty16.00 PLN
    Russian ruble200.00 RUB
    Singapore dollar8.00 SGD
    Swedish krona40.00 SEK
    Swiss franc6.50 CHF
    Thai baht180.00 THB
    UK pounds sterling3.50 GBP
    US dollar5.00 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 toRate
    Bank accountNo Fee (when no currency conversion is involved)

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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.3.00 EUR
    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.
    Credit Card and Debit Card Confirmation(s)Some users, in order to increase their sending limit or as PayPal may determine, may be charged a Credit Card and Debit Card Link and Confirmation fee. This amount will be refunded when you successfully complete the credit card or debit card verification process.See Credit Card and Debit Card Link and Confirmation Table below.
    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.12.00 EUR (per item)
    PayPal Business Debit Mastercard – Cash withdrawal fee

    Use of the Business Debit Card is subject to eligibility, application, approval by PayPal and your acceptance of the terms of the PayPal Business Debit Mastercard Cardholder Agreement.    		The fee applies to cash withdrawals at an ATM (inside and outside IE). The ATM provider may charge additional fees.2.00 EUR (per transaction)

    Credit Card and Debit Card Link and Confirmation Table

    CurrencyFee
    Australian dollar2.00 AUD
    Brazilian real4.00 BRL
    Canadian dollar2.45 CAD
    Czech koruna50.00 CZK
    Danish krone12.50 DKK
    Euro1.50 EUR
    Hong Kong dollar15.00 HKD
    Hungarian forint400.00 HUF
    Israeli new shekel8.00 ILS
    Japanese yen200.00 JPY
    Malaysian ringgitNot Applicable
    Mexican peso20.00 MXN
    CurrencyFee
    New Taiwan dollar70.00 TWD
    New Zealand dollar3.00 NZD
    Norwegian krone15.00 NOK
    Philippine peso100.00 PHP
    Polish zloty6.50 PLN
    Russian ruble60.00 RUB
    Singapore dollar3.00 SGD
    Swedish krona15.00 SEK
    Swiss franc3.00 CHF
    Thai baht70.00 THB
    UK pounds sterling1.00 GBP
    US dollar1.95 USD

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