PayPal Fees 2026
PayPal charges 2.99% + $0.30 per domestic transaction. International sales add 1.5% for foreign cards and 3â5% for currency conversion.
PayPal Transaction Fees 2026
PayPal charges 2.99% + $0.30 per domestic sale. International sales add 1.5% for foreign-issued cards.
PayPal Credit Card Fees 2026
PayPal charges 2.99% + $0.30 to process credit cards via PayPal. Merchant rate discounts available above $3,000/month.
PayPal Business Fees 2026
PayPal Business charges 2.99% + $0.30 per transaction. No monthly fee for standard accounts.
PayPal Personal Fees 2026
PayPal Personal is free for buyers; sellers pay 2.99% + $0.30. Not suitable for business â switch to Business for lower rates.
PayPal International Fees 2026
PayPal international fees add 1.5% for foreign cards plus 3â5% for currency conversion â among the highest markups in payments.
PayPal Currency Conversion Fees 2026
PayPal adds 3â5% above the base exchange rate for currency conversion â one of the worst rates in the industry.
PayPal Withdrawal Fees 2026
PayPal withdrawal to bank is free (1â3 business days). Instant transfer to debit card costs 1.5% (min $0.25, max $1.50).
PayPal UK Fees 2026
PayPal UK charges 3.4% + ÂĢ0.20 domestic; 4.4% + ÂĢ0.20 for non-UK cards. Merchant rate discounts start at ÂĢ1,500/month.
PayPal Europe Fees 2026
PayPal Europe SEPA: 3.4% + âŽ0.35 domestic; higher for cross-border. Local payment methods (Sofort, iDEAL) may cost less.
PayPal Canada Fees 2026
PayPal Canada charges 2.99% + $0.30 CAD for domestic. Non-Canadian cards add 1.5%. CAD settlement.
PayPal Australia Fees 2026
PayPal Australia charges 2.6% + $0.30 AUD domestic. Non-AUD transactions add 1.5% + currency conversion. No monthly fee for PayPal Business.
PayPal India Fees 2026
PayPal India closed its domestic service in 2021. Now only supports international transactions at higher rates.
PayPal Malaysia Fees 2026
PayPal Malaysia charges 3.9% + MYR 2.00 for cross-border. No domestic PayPal service available.
PayPal Singapore Fees 2026
PayPal Singapore charges 3.9% + SGD 0.50 cross-border. Domestic PayPal transactions not supported in Singapore.
PayPal Philippines Fees 2026
PayPal Philippines charges 4.4% + PHP 15.00 for cross-border. Domestic rate 3.5% + PHP 15.00. PHP withdrawal to local bank: PHP 50.
PayPal Brazil Fees 2026
PayPal Brazil charges 4.99% + R$ 0.60 per transaction. One of the highest merchant rates in South America.
PayPal Mexico Fees 2026
PayPal Mexico charges 4.9% + MXN $8.00 per transaction. OXXO cash payments add MXN $10.00 per voucher.
PayPal Seller Fees 2026
PayPal seller fees are 2.99% + $0.30 domestic. Sellers are protected at no extra cost for eligible transactions up to $20,000.
PayPal Buy Now Pay Later Fees 2026
PayPal Pay in 4 splits purchases into 4 interest-free payments. Sellers pay 2.99% + $0.30 per transaction â same as standard.
PayPal Invoice Fees 2026
PayPal Invoicing is free to create and send. PayPal charges 2.99% + $0.30 when the customer pays via PayPal.
PayPal Donations Fees 2026
PayPal donations are free for personal accounts. Business accounts pay the standard 2.99% + $0.30 per transaction.
PayPal Express Checkout Fees 2026
PayPal Express Checkout charges the standard 2.99% + $0.30 per transaction. No monthly fee. One-click checkout integration.
PayPal Zettle Fees 2026
PayPal Zettle card reader costs $79 one-time. In-person transactions charge 2.29% + $0.09. No monthly fee.
PayPal Venmo Business Fees 2026
PayPal Venmo for Business charges 1.9% + $0.10 per transaction â cheaper than standard PayPal. Customers pay via Venmo balance, bank, or card. Ideal for US-only merchants with younger buyer demographics.
PayPal Here Fees 2026
PayPal Here card reader is free for new merchants. In-person rate: 2.7%. Card-not-present: 3.5% + $0.15.
PayPal Working Capital Costs 2026
PayPal Working Capital loans have a flat one-time fee instead of interest. Loan amount is 8â35% of annual PayPal sales. No credit score required.
PayPal Crypto Fees 2026
PayPal crypto trading charges 1.5% above the base market rate for buying/selling. No fees to hold. Transfer to external wallets costs $0.50â$25.
PayPal Security & Protection Fees 2026
PayPal Seller Protection covers eligible transactions at no extra cost. Protects up to the full amount if item not received or significantly not as described.
Frequently Asked Questions
What are PayPal's merchant fees?
PayPal charges 2.99% + $0.30 per domestic US transaction. International sales add 1.5% for foreign-issued cards.
Does PayPal charge monthly fees?
No, standard PayPal Business accounts have no monthly fees. PayPal Working Capital offers loans with fees instead of monthly charges.
How much does PayPal charge for currency conversion?
PayPal adds 3% above the base exchange rate for currency conversion â one of the highest markups among payment processors.
Are PayPal fees higher than Stripe?
Domestic US fees are nearly identical (PayPal 2.99% + $0.30 vs Stripe 2.99% + $0.30). However, PayPal charges 3% for currency conversion vs Stripe's 1%, making PayPal significantly more expensive internationally.