1
PayPal Fee Changes: Effective August 2, 2021
PayPal Fee Changes
Effective Date: 2, August 2021
PayPal Consumer Fees
Relevant Market/Region
Buying with PayPal
Selling with PayPal
Buying and Selling Cryptocurrencies
Receiving Donations
Sending and receiving money
PayPal Cash and Cash Plus
Currency Conversions
Withdrawals Out of PayPal
Other Consumer Fees
PayPal Merchant Fees
Relevant Market/Region
Commercial Transaction Rates
Donation Transaction Rates
Charity Transaction Rates
Alternative Payment Method Rates
PayPal Cash and Cash Plus
PayPal Here Rates
PayPal Online Card Payment Services
Payflow Pro (Payment Gateway)
PayPal Payouts
Micropayments
Chargeback Fees
Dispute Fees
Currency Conversions
E-check Fees
Withdrawal Out of PayPal
Other Merchant Fees
Notice:
This document shows the rate changes that will go into effect as of August 2, 2021.
• Pricing that is increasing from our current rates is noted with “(increasing)” adjacent to the new rate.
• Pricing that is decreasing from our current rates is noted with “(decreasing)” adjacent to the new rate.
2
PayPal Fee Changes: Effective August 2, 2021
PayPal Consumer Fees
Effective Date: 2, August 2021
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
webpage 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.
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
United States (US)
Buying with PayPal
It’s free to use PayPal to donate or to pay for a purchase or any other type of commercial
transaction unless it involves a currency conversion.
Online or in-store
Rate
No Fee (when no currency conversion is involved)
Selling with PayPal
When you accept the User Agreement to buy or sell goods or services or make any other
commercial type of transaction, we call that a “commercial transaction”.
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PayPal Fee Changes: Effective August 2, 2021
For the listings of selling rates, please visit our PayPal Merchant Fees Page.
Buying and Selling Cryptocurrencies
The transaction fees are based on how much cryptocurrency (“crypto”) you buy or sell. The
exchange rate you’ll see before buying or selling crypto will also include a
cryptocurrency
conversion spread. There’s no fee for holding crypto in your account.
Purchase or sale amount
Fee
1.00 – 24.99 USD
0.50 USD
25.00 – 100.00 USD
2.30%
100.01 – 200.00 USD
2.00%
200.01 – 1000.00 USD
1.80%
1000.01 USD +
1.50%
Receiving Donations
When you accept the User Agreement or the Generosity Network Terms and Conditions to send
or receive donations (as one of the payment types listed below), we call that a “donation”.
Standard rate for receiving domestic donations
Payment Type
Rate
Donate Button
2.89% (decreasing) + fixed fee
Generosity Network
2.89% (decreasing) + fixed fee
PayPal Checkout for Donations
2.89% (decreasing) + fixed fee
QR code Transactions – 10.01 USD and above
Commercial Transaction rates apply
QR code Transactions – 10.00 USD and below
Commercial Transaction rates apply
Receiving international donations
The fee for receiving domestic donations applies plus the
additional percentage-based fee for
international donations.
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PayPal Fee Changes: Effective August 2, 2021
Additional percentage-based fee for international donations
Payment Type
Rate
All Donations
1.50%
Fixed fee for donations (based on currency received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
Sending and receiving money
When you send money (initiated from the “Friends and Family” tab of the “Send Money” flow)
to, or receive money into your PayPal account from, friends and family without making an
underlying commercial transaction (that is, the payment is not for the purchase of goods or
services or for making any other commercial transaction), we call that a “personal transaction”.
The rates relating to personal transactions are set out below.
Sending domestic personal transactions
Payment method
Fee
PayPal balance or a bank account
No Fee
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PayPal Fee Changes: Effective August 2, 2021
Payment method
Fee
Cards
2.90% + fixed fee
Amex Send™ Account
No Fee
Sending international personal transactions
Payment method
Fee
PayPal balance or a bank account
5.00%
• A minimum fee of 0.99 USD
• A maximum fee of 4.99 USD
Cards
5.00% + 2.90% + fixed fee
• A minimum fee of 0.99 USD
• A maximum fee of 4.99 USD
Amex Send
™
Account
5.00%
• A minimum fee of 0.99 USD
• A maximum fee of 4.99 USD
Fees charged in different currencies for sending payments: We will collect the fee from balance in the currency in which the fee is listed. To do
this, we may need to convert the fee amount from your sending balance into the currency in which the fee is listed, in which case the fees for
“
Conversions in all other cases” also apply.
Receiving personal transactions
Rate
No fee (when no currency conversion is involved)
Fixed fee for personal transactions (based on currency received)
Currency
Fee
Currency
Fee
Australian dollar
0.30 AUD
New Taiwan dollar
10.00 TWD
Brazilian real
0.60 BRL
New Zealand dollar
0.45 NZD
Canadian dollar
0.30 CAD
Norwegian krone
2.80 NOK
Czech koruna
10.00 CZK
Philippine peso
15.00 PHP
Danish krone
2.60 DKK
Polish zloty
1.35 PLN
Euro
0.35 EUR
Russian ruble
10.00 RUB
Hong Kong dollar
2.35 HKD
Singapore dollar
0.50 SGD
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Currency
Fee
Hungarian forint
90.00 HUF
Swedish krona
3.25 SEK
Israeli new shekel
1.20 ILS
Swiss franc
0.55 CHF
Japanese yen
40.00 JPY
Thai baht
11.00 THB
Malaysian ringgit
2.00 MYR
UK pounds sterling
0.20 GBP
Mexican peso
4.00 MXN
US dollar
0.30 USD
PayPal Cash and Cash Plus
PayPal offers a balance holding account commonly referred to as PayPal Balance.
For more information and a complete listing of fees associated, please refer to the
PayPal
Balance Terms and Conditions.
Currency Conversions
For any of the following types of transactions involving a currency conversion by PayPal, the
transaction exchange rate will also include a currency conversion spread.
Converting payments in another currency
Type of Transaction
Currency Conversion Spread
• Paying for goods or services in a currency
other than the currency the goods or
services are listed in.
• Sending money to a friend or family
member such that they receive a
different currency from the currency in
which you pay.
• Sending money using PayPal Payouts such
that your recipients receive a different
currency from the currency in which you
pay.
4.00%, or such other amount as may be disclosed
to you during the transaction.
All other transactions
3.00%, or such other amount as may be disclosed
to you during the transaction.
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PayPal Fee Changes: Effective August 2, 2021
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.
Note: For additional listings of transfer rates out of business accounts, please visit
our PayPal Merchant Fees Page.
Withdrawing a balance from a personal PayPal account
Withdrawal/Transfer to
Withdrawal/Transfer Type
Rate
Bank account
Local Account
• With eligible linked bank
account
Instant
• Withdrawal limits apply
No Fee (when no currency
conversion is involved)
1.50% of amount transferred
(increasing)
• Minimum and Maximum
fees apply based on
the card withdrawal
currency, in the table
below
Cards
Instant
• With eligible linked debit
card
• Withdrawal limits apply
1.50% of amount transferred
(increasing)
• Minimum and Maximum
fees apply based on
the card withdrawal
currency, in the table
below
Checks
Have a paper check mailed to
you
1.50 USD
Withdrawal Limits – Instant Transfer for Bank
Frequency
Maximum (up to)
Per transaction
25,000.00 USD
Withdrawal Limits – Instant Transfer for Cards
Frequency
Maximum (up to)
Per transaction
5000.00 USD
Per day
5000.00 USD
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PayPal Fee Changes: Effective August 2, 2021
Frequency
Maximum (up to)
Per week
5000.00 USD
Per month
15,000.00 USD
Minimum and Maximum fees – Instant Transfer
Based on withdrawal currency:
Currency
Minimum Fee
Maximum Fee
US dollar
0.25 USD (increasing)
15.00 USD (increasing)
Other Consumer Fees
Included below are fees associated with events, requests, or actions that may happen when
you use your account.
Other Fees
Activity
Description
Rate
Bank Return on
Withdrawal/Transfer out of
PayPal
This 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.
No Fee
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.
PayPal Business Debit
MasterCard
Use of the PayPal Business
Debit MasterCard is subject to
eligibility, application, approval
by PayPal and your acceptance
of the terms.
Please see our PayPal Business
Debit MasterCard Cardholder
Agreement and Privacy Notice
PayPal Cash MasterCard
Use of the PayPal Cash
MasterCard is subject to
eligibility, application, approval
Please see our PayPal Cash
MasterCard Cardholder
Agreement
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PayPal Fee Changes: Effective August 2, 2021
Activity
Description
Rate
by PayPal and your acceptance
of the terms.
Credit Card and Debit Card Link and Confirmation Table
Currency
Rate
Currency
Rate
Australian dollar
2.00 AUD
New Taiwan dollar
70.00 TWD
Brazilian real
4.00 BRL
New Zealand dollar
3.00 NZD
Canadian dollar
2.45 CAD
Norwegian krone
15.00 NOK
Czech koruna
50.00 CZK
Philippine peso
100.00 PHP
Danish krone
12.50 DKK
Polish zloty
6.50 PLN
Euro
1.50 EUR
Russian ruble
60.00 RUB
Hong Kong dollar
15.00 HKD
Singapore dollar
3.00 SGD
Hungarian forint
400.00 HUF
Swedish krona
15.00 SEK
Israeli new shekel
8.00 ILS
Swiss franc
3.00 CHF
Japanese yen
200.00 JPY
Thai baht
70.00 THB
Malaysian ringgit
Not Applicable
UK pounds sterling
1.00 GBP
Mexican peso
20.00 MXN
US dollar
1.95 USD
PayPal Merchant Fees
Effective Date: 2, August 2021
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
webpage 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.
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PayPal Fee Changes: Effective August 2, 2021
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.
M
arket 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
United States (US)
Commercial Transaction Rates
When you accept the User Agreement to buy or sell goods or services or make any other
commercial type of transaction, we call that a “commercial transaction.”
Standard rate for receiving domestic transactions
Payment Type
Rate
Alternative Payment Method (APM)
APM Transaction Rates Apply
Invoicing
3.49% (increasing) + fixed fee
PayPal Checkout
3.49% (increasing) + fixed fee
PayPal Guest Checkout
3.49% (increasing) + fixed fee
PayPal Guest Checkout – American Express Payments
3.50%
QR code Transactions – 10.01 USD and above
1.90% + fixed fee
QR code Transactions – 10.00 USD and below
2.40% + fixed fee
Pay with Venmo
3.49% (increasing) + fixed fee
Send/Receive Money for Goods and Services
2.89% (decreasing) + fixed fee
Standard Credit and Debit Card Payments
2.99% (increasing) + fixed fee
All Other Commercial Transactions
3.49% (increasing) + fixed fee
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PayPal Fee Changes: Effective August 2, 2021
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
Payment Type
Rate
All Commercial Transactions
1.50%
Fixed fee for commercial transactions (based on currency received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
Fixed fee for QR code transactions 10.01 USD and above (based on currency received)
Currency
Fee
Fee
Australian dollar
0.10 AUD
3.00 TWD
Brazilian real
0.20 BRL
0.15 NZD
Canadian dollar
0.10 CAD
1.00 NOK
Czech koruna
3.00 CZK
5.00 PHP
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Fee
Danish krone
0.70 DKK
0.50 PLN
Euro
0.10 EUR
3.00 RUB
Hong Kong dollar
0.80 HKD
0.20 SGD
Hungarian forint
30.00 HUF
1.00 SEK
Israeli new shekel
0.40 ILS
0.10 CHF
Japanese yen
12.00 JPY
4.00 THB
Malaysian ringgit
0.70 MYR
0.10 GBP
Mexican peso
2.00 MXN
0.10 USD
Fixed fee for QR code transactions 10.00 USD and below (based on currency received)
Currency
Fee
Fee
Australian dollar
0.05 AUD
2.00 TWD
Brazilian real
0.10 BRL
0.08 NZD
Canadian dollar
0.05 CAD
0.47 NOK
Czech koruna
1.50 CZK
2.50 PHP
Danish krone
0.35 DKK
0.23 PLN
Euro
0.05 EUR
1.50 RUB
Hong Kong dollar
0.39 HKD
0.08 SGD
Hungarian forint
15.00 HUF
0.50 SEK
Israeli new shekel
0.20 ILS
0.05 CHF
Japanese yen
6.00 JPY
1.80 THB
Malaysian ringgit
0.20 MYR
0.05 GBP
Mexican peso
0.55 MXN
0.05 USD
Donation Transaction Rates
When you accept the User Agreement or the Generosity Network Terms and Conditions to send
or receive funds (using one of the payment types listed below), we call that a “donation”.
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PayPal Fee Changes: Effective August 2, 2021
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
Payment Type
Rate
Donate Button
2.89% (decreasing) + fixed fee
Generosity Network
2.89% (decreasing) + fixed fee
PayPal Checkout for Donations
2.89% (decreasing) + fixed fee
Receiving international donations
The fee for receiving domestic donations applies plus the
additional percentage-based fee for
international donations.
Additional percentage-based fee for international donations
Payment Type
Rate
All Donations
1.50%
Fixed fee for donations (based on currency received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Fee
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
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 and donations received
in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity
transactions.
Receiving domestic charity transactions
Payment Type
Rate
Charity Transactions
1.99% (decreasing) + fixed fee
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
Payment Type
Rate
Charity Transactions
1.50%
Fixed fee for charity transactions (based on currency received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Fee
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
Alternative Payment Method Rates
We may allow your customers to choose any of the alternative payment methods (APMs) 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 the APM agreement. You
must accept the terms of the APM agreement before receiving APM payments.
Standard rate for receiving domestic transactions
Payment Type
Rate
Alternative Payment Method (APM)
2.59% (decreasing) + fixed fee
Receiving international transactions
The fee for receiving domestic transactions applies plus the
additional percentage-based fee
for international transactions.
Additional percentage-based fee for international APM transactions
Payment Type
Rate
Alternative Payment Method (APM)
1.50%
Fixed fee for APM transactions (based on currency received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Fee
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
PayPal Cash and Cash Plus
PayPal offers a balance holding account commonly referred to as PayPal Balance.
For more information and a complete listing of fees associated, please refer to the
PayPal
Balance Terms and Conditions.
PayPal Here Rates
Our PayPal Here solution is ideal for getting you paid while on the go or bringing the checkout
experience directly to your customer anywhere or at any time.
Use of PayPal Here is subject to eligibility, application, approval by PayPal and your acceptance
of the terms of the PayPal Here agreement
.
Standard rate for receiving transactions using PayPal Here
Payment Type
Rate
Card Present Transactions
2.70%
Keyed Transactions
3.50% + fixed fee
PayPal Transactions (In Store)
2.70%
QR code Transactions
2.70%
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PayPal Fee Changes: Effective August 2, 2021
Receiving international transactions using PayPal Here
The fee for receiving domestic PayPal Here transactions applies plus the
additional percentage-
based fee for international PayPal Here transactions.
Additional percentage-based fee for international PayPal Here transactions
Payment Type
Rate
All PayPal Here Transactions
1.50%
Charity rates for receiving transactions using PayPal Here
Subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on
a case-by-case basis, including, without limitation on the following criteria: qualifying monthly
sales volume, size of average shopping cart and an account in good standing. See our
PayPal
Here agreement for more details.
Payment Type
Rate
Card Present Transactions
2.70%
Keyed Transactions
3.50% + fixed fee
PayPal Transactions (In Store)
2.70%
QR code Transactions
2.70%
Charity rate for receiving international transactions using PayPal Here
The fee for receiving domestic charity PayPal Here transactions applies plus the
additional
percentage-based fee for international charity PayPal Here transactions.
Additional percentage-based fee for international charity PayPal Here transactions
Payment Type
Rate
All Charity PayPal Here Transactions
1.50%
Fixed fee for PayPal Here transactions (based on currency received)
Currency
Fee
Currency
Fee
Australian dollar
0.30 AUD
New Taiwan dollar
10.00 TWD
Brazilian real
0.60 BRL
New Zealand dollar
0.45 NZD
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Currency
Fee
Canadian dollar
0.15 CAD
Norwegian krone
2.80 NOK
Czech koruna
10.00 CZK
Philippine peso
15.00 PHP
Danish krone
2.60 DKK
Polish zloty
1.35 PLN
Euro
0.35 EUR
Russian ruble
10.00 RUB
Hong Kong dollar
2.35 HKD
Singapore dollar
0.50 SGD
Hungarian forint
90.00 HUF
Swedish krona
3.25 SEK
Israeli new shekel
1.20 ILS
Swiss franc
0.55 CHF
Japanese yen
40.00 JPY
Thai baht
11.00 THB
Malaysian ringgit
2.00 MYR
UK pounds sterling
0.20 GBP
Mexican peso
4.00 MXN
US dollar
0.15 USD
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 type
Rate
Advanced Credit and Debit Card Payments
2.59% (decreasing) + fixed fee
Credit and Debit Card Payments – American
Express Payments
3.50%
Payments Advanced
2.89% (decreasing) + fixed fee
Payments Pro
2.89% (decreasing) + fixed fee
Payments Pro - American Express Payments
3.50%
Virtual Terminal
3.09% (decreasing) + fixed fee
Virtual Terminal - American Express Payments
3.50%
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PayPal Fee Changes: Effective August 2, 2021
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
Payment Type
Rate
PayPal Online Card Payment Services
Transactions
1.50%
Credit and Debit Card Payments – American
Express Payments
No fee
Payments Pro - American Express Payments
No fee
Virtual Terminal - American Express Payments
No fee
Charity rates for receiving transactions using PayPal Online Card Payment Services
Subject to eligibility, application, and approval by PayPal. PayPal may evaluate applications
on a case-by-case basis, including, without limitation, on the following criteria: qualifying
monthly sales volume, size of average shopping cart, and an account in good standing. See our
PayPal Online Card Payment Services Agreement
for more details.
Payment Type
Rate
Payments Pro
1.99% (decreasing) + fixed fee
Virtual Terminal
2.39% (decreasing) + fixed fee
Fixed fee for PayPal Online Card Payment Services transactions (based on currency
received)
Currency
Fee
Fee
Australian dollar
0.59 AUD (increasing)
14.00 TWD (increasing)
Brazilian real
2.90 BRL (increasing)
0.69 NZD (increasing)
Canadian dollar
0.59 CAD (increasing)
3.90 NOK (increasing)
Czech koruna
9.00 CZK (decreasing)
25.00 PHP (increasing)
Danish krone
2.90 DKK (increasing)
1.89 PLN (increasing)
Euro
0.39 EUR (increasing)
39.00 RUB (increasing)
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Fee
Hong Kong dollar
3.79 HKD (increasing)
0.69 SGD (increasing)
Hungarian forint
149.00 HUF (increasing)
4.09 SEK (increasing)
Israeli new shekel
1.60 ILS (increasing)
0.49 CHF (decreasing)
Japanese yen
49.00 JPY (increasing)
15.00 THB (increasing)
Malaysian ringgit
2.00 MYR
0.39 GBP (increasing)
Mexican peso
9.00 MXN (increasing)
0.49 USD (increasing)
Other fees for using PayPal Online Card Payment Services
Activity
Description
Fee
Account Monitoring Service
Optional Service
• 29.95 USD set up fee
• 19.95 USD per month
Advanced Fraud Management
Filters
Optional Service
•
20.00 USD per month
• 0.05 USD per
transaction
Advanced Fraud Protection
Services
Optional Service
• 10.00 USD per month
• 0.05 USD per
transaction
Additional Risk Factors
If PayPal determines that your
Account receives, or is likely to
receive a disproportionately
higher number of customer
complaints, reversals,
chargebacks, claims, or other
indicators of a serious level of
risk, PayPal may increase the
percentage components of your
Transaction Fees after giving
you 30 days prior notice of the
increase.
Up to 5.00% per transaction
Buyer Authentication Service
Optional Service
• 10.00 USD per month
• 0.10 USD per
transaction
Card Verification Transactions
For each account verification
request
0.30 USD
Chargeback Protection Services
(when available)
Chargeback Protection
• Advanced Credit and
Debit Card Payments
0.40% per transaction
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PayPal Fee Changes: Effective August 2, 2021
Activity
Description
Fee
Chargeback Protection Services
(when available)
Effortless Chargeback
Protection
• Advanced Credit and
Debit Card Payments
0.60% per transaction
Failure to implement Express
Checkout
If you do not implement Express
Checkout as required, the
percentage components of your
Transaction Fees may increase
after giving you 30 days prior
notice.
1.00% per transaction
Monthly Fees
Advanced Credit and Debit Card
Payments
No fee
Monthly Fees
Payments Advanced
5.00 USD
Monthly Fees
Payments Pro
30.00 USD
Monthly Fees
Payments Pro Payflow
30.00 USD
Monthly Fees
Virtual Terminal
30.00 USD
Recurring Billing
Optional Service
10.00 USD per month
Recurring Payment Tool
Optional Service
30.00 USD per month
Uncaptured Authorization
Transactions
For each successful but
uncaptured authorization
transaction.
0.30 USD
Payflow Pro (Payment Gateway)
Payflow Pro gives you the flexibility to design a checkout page that matches your site’s
branding, and Payflow Link comes with a pre-built checkout template you embed right into
your checkout page. With either, your customers can pay by credit card without leaving your
site. For more information, please refer to the
Payflow Gateway Services Agreement.
Receiving transactions using Payflow
Payment type
Fee
Payflow Pro Transaction
0.10 USD
Payflow Link Transaction
0.10 USD
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PayPal Fee Changes: Effective August 2, 2021
Other fees for using Payflow
Activity
Description
Fee
Monthly Fees
Payflow Pro
25.00 USD
Monthly Fees
Payflow Link
No fee
PayPal Recurring Billing Service
(Monthly)
Payflow Pro
10.00 USD
PayPal Recurring Billing Service
(Monthly)
Payflow Link
10.00 USD
PayPal Fraud Protection
Services (Monthly)
Basic Package
No fee
PayPal Fraud Protection
Services (Monthly)
Advanced Package
10.00 USD
PayPal Fraud Protection
Services (Monthly)
Buyer Authentication +
10.00 USD
PayPal Fraud Protection
Services (Monthly Excess
Transaction Fee)
Basic Package
No fee
PayPal Fraud Protection
Services (Monthly Excess
Transaction Fee)
Advanced Package
0.05 USD
PayPal Fraud Protection
Services (Monthly Excess
Transaction Fee)
Buyer Authentication +
0.10 USD
PayPal Fraud Protection
Services (Monthly Excess
Transaction Fee)
Recurring Billing Service
No fee
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
Transaction
Rate
US
2% of total transaction amount (not to exceed
the maximum fee cap below)
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PayPal Fee Changes: Effective August 2, 2021
Transaction
Rate
US
When using the Payouts API
Flat Rate see fee table below
International PayPal Payouts
2% of total transaction amount (not to exceed
the maximum fee cap below)
Fee and maximum fee cap for PayPal Payouts
Based on payment currency:
Currency
US Maximum Fee Cap
US – When using the
Payouts API Fee
International Maximum
Fee Cap
Australian dollar
1.25 AUD
0.32 AUD
24.00 AUD
Brazilian real
2.00 BRL
0.50 BRL
40.00 BRL
Canadian dollar
1.25 CAD
0.32 CAD
24.00 CAD
Czech koruna
24.00 CZK
6.00 CZK
400.00 CZK
Danish krone
6.00 DKK
1.50 DKK
120.00 DKK
Euro
0.85 EUR
0.22 EUR
16.00 EUR
Hong Kong dollar
7.00 HKD
1.75 HKD
160.00 HKD
Hungarian forint
210.00 HUF
53.00 HUF
6000.00 HUF
Israeli new shekel
4.00 ILS
1.00 ILS
80.00 ILS
Japanese yen
120.00 JPY
30.00 JPY
2000.00 JPY
Malaysian ringgit
4.00 MYR
Not Applicable
80.00 MYR
Mexican peso
11.00 MXN
2.75 MXN
300.00 MXN
New Taiwan dollar
33.00 TWD
8.00 TWD
800.00 TWD
New Zealand dollar
1.50 NZD
0.38 NZD
30.00 NZD
Norwegian krone
6.75 NOK
1.70 NOK
120.00 NOK
Philippine peso
50.00 PHP
12.50 PHP
1000.00 PHP
Polish zloty
3.00 PLN
0.75 PLN
60.00 PLN
Russian ruble
30.00 RUB
60.00 RUB
600.00 RUB
Singapore dollar
1.60 SGD
0.40 SGD
32.00 SGD
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PayPal Fee Changes: Effective August 2, 2021
Currency
US Maximum Fee Cap
US – When using the
Payouts API Fee
International Maximum
Fee Cap
Swedish krona
9.00 SEK
2.25 SEK
160.00 SEK
Swiss franc
1.30 CHF
0.33 CHF
20.00 CHF
Thai baht
36.00 THB
9.00 THB
800.00 THB
UK pounds sterling
0.65 GBP
0.17 GBP
14.00 GBP
US dollar
1.00 USD
0.25 USD
20.00 USD
Micropayments
When you accept the User Agreement, you may apply to receive Micropayments pricing for
certain lower value transactions processed through your PayPal account for the sale of goods
and services. The rate below applies to both Dynamic and Static Micropayments.
Receiving domestic micropayments
Payment Type
Rate
US
4.99% (decreasing) + fixed fee
Receiving international transactions
The fee for receiving domestic transactions applies plus the
additional percentage-based fee
for international transactions.
Additional percentage-based fee for international Micropayment transactions
Payment Type
Rate
Micropayments
1.50%
Micropayments fixed fee
Based on payment currency:
Currency
Fee
Currency
Fee
Australian dollar
0.12 AUD (increasing)
New Taiwan dollar
3.00 TWD (increasing)
Brazilian real
0.50 BRL (increasing)
New Zealand dollar
0.13 NZD (increasing)
Canadian dollar
0.11 CAD (increasing)
Norwegian krone
0.77 NOK (increasing)
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Currency
Fee
Czech koruna
1.90 CZK (increasing)
Philippine peso
4.40 PHP (increasing)
Danish krone
0.56 DKK (increasing)
Polish zloty
0.34 PLN (increasing)
Euro
0.07 EUR (increasing)
Russian ruble
6.90 RUB (increasing)
Hong Kong dollar
0.70 HKD (increasing)
Singapore dollar
0.12 SGD (increasing)
Hungarian forint
29.00 HUF (increasing)
Swedish krona
0.76 SEK (increasing)
Israeli new shekel
0.30 ILS (increasing)
Swiss franc
0.08 CHF (decreasing)
Japanese yen
9.00 JPY (increasing)
Thai baht
2.90 THB (increasing)
Malaysian ringgit
0.40 MYR (increasing)
UK pounds sterling
0.07 GBP (increasing)
Mexican peso
1.79 MXN (increasing)
US dollar
0.09 USD (increasing)
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).
For Chargeback Protection Services applicable to PayPal’s Online Card Payment Services, please
see the PayPal Online Card Payment Services Agreement
.
The chargeback fee is based on the currency received as follows:
Chargeback fees
Currency
Fee
Currency
Fee
Australian dollar
22.00 AUD
New Taiwan dollar
625.00 TWD
Brazilian real
35.00 BRL
New Zealand dollar
28.00 NZD
Canadian dollar
20.00 CAD
Norwegian krone
125.00 NOK
Czech koruna
400.00 CZK
Philippine peso
900.00 PHP
Danish krone
120.00 DKK
Polish zloty
65.00 PLN
Euro
16.00 EUR
Russian ruble
640.00 RUB
Hong Kong dollar
155.00 HKD
Singapore dollar
28.00 SGD
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Currency
Fee
Hungarian forint
4,325.00 HUF
Swedish krona
150.00 SEK
Israeli new shekel
75.00 ILS
Swiss franc
22.00 CHF
Japanese yen
1,875.00 JPY
Thai baht
650.00 THB
Malaysian ringgit
65.00 MYR
UK pounds sterling
14.00 GBP
Mexican peso
250.00 MXN
US dollar
20.00 USD
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.
Standard Dispute Fees
Currency
Fee
Currency
Fee
Australian dollar
25.00 AUD
New Taiwan dollar
455.00 TWD
Brazilian real
65.00 BRL
New Zealand dollar
25.00 NZD
Canadian dollar
20.00 CAD
Norwegian krone
140.00 NOK
Czech koruna
350.00 CZK
Philippine peso
760.00 PHP
Danish krone
100.00 DKK
Polish zloty
60.00 PLN
Euro
14.00 EUR
Russian ruble
1125.00 RUB
Hong Kong dollar
115.00 HKD
Singapore dollar
20.00 SGD
Hungarian forint
4,585.00 HUF
Swedish krona
145.00 SEK
Indian Rupee
1080.00 INR
Swiss franc
15.00 CHF
Israeli new shekel
55.00 ILS
Thai baht
465.00 THB
Japanese yen
1,630.00 JPY
UK pounds sterling
12.00 GBP
Malaysian ringgit
65.00 MYR
US dollar
15.00 USD
Mexican peso
300.00 MXN
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PayPal Fee Changes: Effective August 2, 2021
High Volume Dispute Fees
Currency
Fee
Currency
Fee
Australian dollar
50.00 AUD
New Taiwan dollar
910.00 TWD
Brazilian real
130.00 BRL
New Zealand dollar
50.00 NZD
Canadian dollar
40.00 CAD
Norwegian krone
280.00 NOK
Czech koruna
700.00 CZK
Philippine peso
1520.00 PHP
Danish krone
200.00 DKK
Polish zloty
120.00 PLN
Euro
28.00 EUR
Russian ruble
2250.00 RUB
Hong Kong dollar
230.00 HKD
Singapore dollar
40.00 SGD
Hungarian forint
9,170.00 HUF
Swedish krona
290.00 SEK
Indian Rupee
2160.00 INR
Swiss franc
30.00 CHF
Israeli new shekel
110.00 ILS
Thai baht
930.00 THB
Japanese yen
3,260.00 JPY
UK pounds sterling
24.00 GBP
Malaysian ringgit
130.00 MYR
US dollar
30.00 USD
Mexican peso
600.00 MXN
Currency Conversions
For any of the following types of transactions involving a currency conversion by PayPal, the
transaction exchange rate will also include a currency conversion spread.
Converting payments in another currency
Type of Transaction
Currency Conversion Spread
• Paying for goods or services in a currency
other than the currency the goods or
services are listed in.
• Sending money to a friend or family
member such that they receive a
different currency from the currency in
which you pay.
• Sending money using PayPal Payouts such
that your recipients receive a different
currency from the currency in which you
pay.
4.00%, or such other amount as may be disclosed
to you during the transaction.
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PayPal Fee Changes: Effective August 2, 2021
Type of Transaction
Currency Conversion Spread
All other transactions
3.00%, or such other amount as may be disclosed
to you during the transaction.
E-check Fees
Sometimes the sender of a payment you receive may use an E-check 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 E-check. When you receive an E-check
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 E-check fees
Payment Type
Rate
Per each payment transaction
Commercial Transaction Rates
Maximum fee cap for E-checks
Currency
Maximum fee cap
Australian dollar
300.00 AUD
Brazilian real
500.00 BRL
Canadian dollar
300.00 CAD
Czech koruna
5000.00 CZK
Danish krone
1500.00 DKK
Euro
200.00 EUR
Hong Kong dollar
2500.00 HKD
Hungarian forint
54,000.00 HUF
Israeli new shekel
1100.00 ILS
Japanese yen
24,000.00 JPY
Malaysian ringgit
1000.00 MYR
Mexican peso
3500.00 MXN
New Taiwan dollar
9000.00 TWD
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PayPal Fee Changes: Effective August 2, 2021
Currency
Maximum fee cap
New Zealand dollar
400.00 NZD
Norwegian krone
1600.00 NOK
Philippine peso
13,000.00 PHP
Polish zloty
800.00 PLN
Russian ruble
12,000.00 RUB
Singapore dollar
400.00 SGD
Swedish krona
1800.00 SEK
Swiss franc
300.00 CHF
Thai baht
9000.00 THB
UK pounds sterling
200.00 GBP
US dollar
300.00 USD
Withdrawal 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 to
Withdrawal/Transfer Type
Rate
Bank account
Local Account
• With eligible linked bank
account
Instant
• Withdrawal limits apply
No Fee (when no currency
conversion is involved)
1.50% of amount transferred
(increasing)
• Minimum and Maximum
fees apply based on
the card withdrawal
currency, in the table
below
Cards
Instant
• With eligible linked debit
card
• Withdrawal limits apply
1.50% of amount transferred
(increasing)
• Minimum and Maximum
fees apply based on
the card withdrawal
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PayPal Fee Changes: Effective August 2, 2021
Withdrawal/Transfer to
Withdrawal/Transfer Type
Rate
currency, in the table
below
Withdrawal Limits – Instant Transfer for Bank
Frequency
Maximum (up to)
Per transaction
25,000.00 USD
Withdrawal Limits – Instant Transfer for Cards
Frequency
Maximum (up to)
Per transaction
50,000.00 USD
Per day
100,000.00 USD
Per week
250,000.00 USD
Per month
500,000.00 USD
Minimum and Maximum fees – Instant Transfer
Based on withdrawal currency:
Currency
Minimum Fee
Maximum Fee
US dollar
0.25 USD (increasing)
15.00 USD (increasing)
Other Merchant Fees
Included below are fees associated with events, requests, or actions that may happen when
you use your account.
Other Fees
Activity
Description
Rate
Bank Return on
Withdrawal/Transfer out of
PayPal
This fee is charged when a
withdrawal/transfer out of
PayPal is attempted by a user
and it fails because incorrect
bank account information or
No Fee
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PayPal Fee Changes: Effective August 2, 2021
Activity
Description
Rate
delivery information is
provided.
Commercial Transaction
Refunds
Full 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.
Commercial Transaction
Refunds
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.
PayPal Business Debit
MasterCard
Use of the PayPal Business
Debit MasterCard is subject to
eligibility, application, approval
by PayPal and your acceptance
of the terms.
Please see our PayPal Business
Debit MasterCard Cardholder
Agreement and Privacy Notice
PayPal Cash MasterCard
Use of the PayPal Cash
MasterCard is subject to
eligibility, application, approval
by PayPal and your acceptance
of the terms.
Please see our PayPal Cash
MasterCard Cardholder
Agreement
Credit Card and Debit Card Link and Confirmation Table
Currency
Fee
Currency
Fee
Australian dollar
2.00 AUD
New Taiwan dollar
70.00 TWD
Brazilian real
4.00 BRL
New Zealand dollar
3.00 NZD
Canadian dollar
2.45 CAD
Norwegian krone
15.00 NOK
Czech koruna
50.00 CZK
Philippine peso
100.00 PHP
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PayPal Fee Changes: Effective August 2, 2021
Currency
Fee
Currency
Fee
Danish krone
12.50 DKK
Polish zloty
6.50 PLN
Euro
1.50 EUR
Russian ruble
60.00 RUB
Hong Kong dollar
15.00 HKD
Singapore dollar
3.00 SGD
Hungarian forint
400.00 HUF
Swedish krona
15.00 SEK
Israeli new shekel
8.00 ILS
Swiss franc
3.00 CHF
Japanese yen
200.00 JPY
Thai baht
70.00 THB
Malaysian ringgit
Not Applicable
UK pounds sterling
1.00 GBP
Mexican peso
20.00 MXN
US dollar
1.95 USD