Interchange fee rates: Approximately ranges from 0,2% to 2%. See the PayPal Online Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.
When you sell with us, you can get some of the most competitive rates in the business.
Last Updated: 24, March 2025
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’.
A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents in the European Economic Area (EEA).
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.
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.
Rates published below apply to PayPal accounts of residents of the following markets/regions:
When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, send or receive a donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.
| Country/Territory of recipient’s address | Rate |
|---|---|
| Alternative Payment Method (APM) | APM Transaction Rates Apply |
| Card funded payment from a user of our Terms for Payments without a PayPal account | 1,9% + fixed fee |
| QR Code Transactions – 10,01 EUR and above for CY, CZ, EE, GR, LV, MT, SI, & SK | 0,9% + fixed fee |
| QR Code Transactions – 10,00 EUR and below for CY, CZ, EE, GR, LV, MT, SI, & SK | 1,4% + fixed fee |
| All Other Commercial Transactions | 3,4% + fixed fee |
The fee for receiving domestic commercial and QR Code transactions applies plus the additional percentage-based fee for international commercial transactions.
| Where sender’s market/region is | Fee |
|---|---|
| EEA | No fee |
| UK | 1,29% |
| All other markets | 1,99% |
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 Type | Fee |
|---|---|
| Commercial transactions where the recipient’s market/region is registered or identified by PayPal as the EEA | 1,29% |
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.
| Transaction Type | Rate |
|---|---|
| Donation | 3,4% + fixed fee |
| QR Code Transactions – 10,01 EUR and above for CY, CZ, EE, GR, LV, MT, SI, & SK | Commercial Transaction rates apply |
| QR code Transactions – 10,00 EUR and below for CY, CZ, EE, GR, LV, MT, SI, & SK | Commercial Transaction rates apply |
| PayPal Fundraisers (Listed Fundraisers) for GR | Commercial Transaction rates apply (GR) |
| PayPal Fundraisers (Unlisted Fundraisers) for GR | No Fee |
The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.
| Where sender’s market/region is | Fee |
|---|---|
| EEA | No fee |
| UK | 1,29% |
| All other markets | 1,99% |
| Payment Type | Rate |
|---|---|
| PayPal Fundraisers (Unlisted Fundraisers) | Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates) |
| All Other Donations | No Fee |
The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).
| Payment Type | Rate |
|---|---|
| PayPal Fundraisers (Unlisted Fundraisers) | Sending and Receiving Money Rates (i.e., sending international personal transactions rates) |
| All Other Donations | No Fee (when no currency conversion is involved) |
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.
| Transaction | Rate |
|---|---|
| Charity transactions | 1,9% + fixed fee |
The fee for receiving domestic charity transactions applies plus the additional percentage-based fee for international commercial transactions.
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.
| Payment Type | Rate |
|---|---|
| Alternative Payment Method (APM) | 1,9% + fixed fee |
The additional percentage-based fee for receiving international transactions does not apply when you receive APM payments.
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 Services Agreement.
| Payment type | Rate |
|---|---|
Advanced Credit and Debit Card Payments - Blended Pricing Fee Structure:
| 1,9% + fixed fee |
Advanced Credit and Debit Card Payments - Interchange Plus Fee Structure:
| Interchange Fee + 1,9% + fixed fee |
Advanced Credit and Debit Card Payments
| 3,5% |
SEPA Direct Debit |
|
| Other Payments | Commercial Transaction rates apply |
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).
| Activity | Description | Rate |
|---|---|---|
| Advanced Fraud Tool | Optional service for Advanced Credit and Debit Card Payments |
|
| SEPA Direct Debit Return or Refund Fee | This fee is charged when a refund request is made or a return is requested or a direct debit transaction is rejected or reversed. | PayPal shall charge a Fee in an amount equal to the amount billed to PayPal by the institution at which you hold your account. |
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.
| Transaction | Rate |
|---|---|
| Domestic PayPal Payouts | 2% of total transaction amount (not to exceed the domestic maximum fee cap below) |
| Other International PayPal Payouts | 2% of total transaction amount (not to exceed the international maximum fee cap below) |
Based on payment currency:
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.
Based on payment currency:
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:
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.
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.
| Rate |
|---|
| 3% above the base exchange rate |
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):
| Payment Type | Rate |
|---|---|
| Per each payment transaction | Commercial Transaction Rates |
You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible cards. Withdrawal to a bank account or a card may not be possible in all markets. A currency conversion (and currency conversion fees) may also apply.
| Withdrawal/Transfer to | Market/Region | Rate |
|---|---|---|
| Bank account | All (where available) | No Fee (when no currency conversion is involved) |
| US bank account | CZ, EE, GR, LT, LV, MT, SI, SK, & SM | 3% (when no currency conversion is involved) |
| BG, CY, LI, & RO | No Fee (when no currency conversion is involved) | |
| Cards | BG, RO, & SI | 1% of amount transferred Minimum and maximum fees apply based on the card withdrawal currency, in the table below |
| CY, EE, LI, LT, LV, MT, SK, & SM | Fixed Fee for card withdrawal applies per withdrawal | |
| Any other market/region (where available) | 2,00 EUR |
Based on card withdrawal currency:
Based on card withdrawal currency:
Included below are fees associated with events, requests, or actions that may happen when you use your account.
| 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. | See Bank Return on Withdrawal/Transfer out of PayPal Table below. |
| Commercial Transaction Refunds | Full Refunds |
|
| Partial Refunds |
| |
| 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. |
| Inactive PayPal Account | The inactivity fee will be the lesser of the fee listed below or the remaining balance in your account. | See Inactive PayPal Account Fee Table below. |
| Records Request | This 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 GBP or 12,00 EUR (per item) |
| Market | Fee |
|---|---|
| Czech Republic users | 200,00 CZK |
| Hungarian users | 1 500,00 HUF |
| Users registered in the Eurozone | 3,00 EUR |
| Currency | Fee |
|---|---|
| Australian dollar | 2,00 AUD |
| Brazilian real | 4,00 BRL |
| Canadian dollar | 2,45 CAD |
| Czech koruna | 50,00 CZK |
| Danish krone | 12,50 DKK |
| Euro | 1,50 EUR |
| Hong Kong dollar | 15,00 HKD |
| Hungarian forint | 400,00 HUF |
| Israeli new shekel | 8,00 ILS |
| Japanese yen | 200,00 JPY |
| Malaysian ringgit | Not Applicable |
| Mexican peso | 20,00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 70,00 TWD |
| New Zealand dollar | 3,00 NZD |
| Norwegian krone | 15,00 NOK |
| Philippine peso | 100,00 PHP |
| Polish zloty | 6,50 PLN |
| Russian ruble | 60,00 RUB |
| Singapore dollar | 3,00 SGD |
| Swedish krona | 15,00 SEK |
| Swiss franc | 3,00 CHF |
| Thai baht | 70,00 THB |
| UK pounds sterling | 1,00 GBP |
| US dollar | 1,95 USD |
| Currency | Fee |
|---|---|
| Czech koruna | 270,00 CZK |
| Danish krone | 75,00 DKK |
| Euro | 10,00 EUR |
| Hungarian forint | 3 600,00 HUF |
| Norwegian krone | 105,00 NOK |
| Polish zloty | 45,00 PLN |
| Swedish krona | 100,00 SEK |
| Swiss franc | 10,00 CHF |
| UK pounds sterling | 9,00 GBP |