Fees | Merchant and Business

Alternative Payment Method (APM)

APM Transaction Rates Apply

PayPal Checkout

3.49% + fixed fee

PayPal Guest Checkout

3.49% + fixed fee

QR code Transactions

2.29% + fixed fee

QR code Transactions through third party integrator

2.29% + 0.09 USD

Pay with Venmo

3.49% + fixed fee

Send/Receive Money for Goods and Services

2.99%

Standard Credit and Debit Card Payments

2.99% + fixed fee

PayPal Pay Later options

4.99% + fixed fee

All Other Commercial Transactions

3.49% + fixed fee

All Commercial Transactions

1.50%

Campaign Fee – Store Cash transactions

All applicable PayPal transaction fees are calculated from the cart total, after any Store Cash offers being applied by the PayPal user. For more information about Campaign Fee calculations, please see the PayPal Store Cash Agreement.

8.00%

Receiving a Crypto Asset transfer

No Fee

Transferring Crypto Asset to an address outside of PayPal or Venmo

You will be charged a cryptocurrency network fee, payable in the Crypto Asset you transfer, which varies. For details on the network fee, see the Cryptocurrency Terms and Conditions. The network fee will be displayed right before you transfer any crypto

PayPal Checkout, Pay with Venmo, or PayPal Guest Checkout

3.49% + fixed fee

Standard Credit and Debit Card Payments, Apple Pay, or other third-party wallets

2.99% + fixed fee

PayPal Pay Later options

4.99% + fixed fee

Pay by Bank (ACH)

1% (capped at $10.00 per transaction)

All Payment Types through Invoicing Transactions

1.50%

Invoicing Subscription

14.99 USD per month

PayPal Wallet – Bank Account

Waived – No Fee

PayPal Wallet – Balance

Waived – No Fee

PYUSD (subject to availability)

Waived – No Fee

Debit and Credit

2.9%

ACH – US Domestic

0.49 USD per transaction

ACH – International

Fixed Fee

PayPal Wallet USD

No Fee

PayPal Wallet Other Currencies

No Fee

Venmo (subject to availability)

No Fee

PYUSD (subject to availability)

1%

Mailed Checks

2.00 USD per check

Wire Transfer

Fixed Fee

US dollar

20.00 USD

Euro

19.00 EUR

Australian dollar

30.00 AUD

British pound sterling

15.00 GBP

Donate Button

2.89% + fixed fee

PayPal Checkout for Donations

2.89% + fixed fee

All Donations

1.50%

Donations

No fee

Donations

No fee (when no currency conversion is needed)

Charity Transactions

1.99% + fixed fee

Charity Transactions

1.50%

Doku Wallet, Estonia Online Bank Transfer, FIUU Cash, LinkAja, Jenius Pay, Paysera, DragonPay, Ovo

3.49% + fixed fee

OxxoPay, Thailand Online Bank Transfer, Latvian Online Bank Transfer, Lithuanian Online Bank Transfer, Skrill, Ovo Premium, GoPay

5.49% + fixed fee

Alternative Payment Methods (APMs) through Pay Links and Buttons, Payment Links and Buttons, Payment Links, Buy Buttons, Shopping Cart Buttons

2.99% + fixed fee

All Other Alternative Payment Methods (APMs)

2.89% + fixed fee

Alternative Payment Method (APM)

1.50%

Rate until July 31, 2026

0.99% of transaction amount

Rate on or after Aug. 1, 2026

1.5% of transaction amount

Advanced Credit and Debit Card Payments

2.89% + fixed fee

ACH Services

0.80% (capped at $5.00 per transaction)

Payments Advanced

2.89% + fixed fee

Payments Pro

2.89% + fixed fee

Virtual Terminal

3.39% + fixed fee

Payments Pro

1.99% + fixed fee

Virtual Terminal

2.69% + fixed fee

Advanced Credit and Debit Card Payments

2.19% + fixed fee

Advanced Credit and Debit Card Payments (Interchange Plus Plus)

Interchange Plus Plus Rates Apply

Advanced Credit and Debit Card Payments (Interchange Plus Plus)

Interchange Pass-through Costs + 0.49% + fixed fee (collectively “Interchange Plus Plus”)

Advanced Credit and Debit Card Payments (Interchange Plus Plus)

No additional percentage-based fee for international transactions for this Payment Type

All Other PayPal Card Payment Services Transactions

1.50%

Account Monitoring Service

Optional Service

• 29.95 USD set up fee
• 19.95 USD per month

ACH Services Return Fee or Unauthorized Fee

This fee is charged when a return is requested or when the transaction is unauthorized and then rejected/reversed.

• 5.00 USD Return Fee for each transaction returned by the banking network
• 5.00 USD Unauthorized Fee for each transaction disputed by your customer as unauthorized

Fraud Protection Advanced

Optional Service

• 0.07 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 Tools

Chargeback Protection Tool

• Advanced Credit and Debit Card Payments

0.40% per transaction

Effortless Chargeback Protection Tool

• 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 and ACH Services

No fee

Payments Advanced

5.00 USD

Payments Pro

30.00 USD

Payments Pro Payflow

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

Foreign Exchange as a Service

Optional Service

3% currency conversion spread

Payflow Pro Transaction

0.10 USD

Payflow Link Transaction

0.10 USD

Monthly Fees

Payflow Pro

25.00 USD

Payflow Link

No fee

PayPal Recurring Billing Service (Monthly)

Payflow Pro

10.00 USD

Payflow Link

10.00 USD

PayPal Fraud Protection Services (Monthly)

Basic Package

No fee

Advanced Package

10.00 USD

Buyer Authentication +

10.00 USD

PayPal Fraud Protection Services (Monthly Excess Transaction Fee)

Basic Package

No fee

Advanced Package

0.05 USD

Buyer Authentication +

0.10 USD

Recurring Billing Service

No fee

Card Present Transactions

2.29% + 0.09 USD

Manual Card Entry Transactions

3.49% + 0.09 USD

QR code Transactions

2.29% + 0.09 USD

Payment links: PayPal Checkout, Pay with Venmo, PayPal Pay Later offers, or PayPal Guest Checkout

3.49% + 0.49 USD

Payment links: Standard Credit and Debit Card Payments, Apple Pay, or other third-party wallets

2.99% + 0.49 USD

US

2% of total transaction amount (not to exceed the maximum fee cap below)

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)

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

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

Domestic Bank Transfer

0.95 USD per transaction

Domestic Instant Bank Transfer (subject to availability)

1.50 USD per transaction

International Bank Transfer

4.95 USD per transaction

Wire Transfer

2% of the transaction amount (min. 10.00 USD, max. 30.00 USD)

Transfer to Debit Card

Domestic: 1.50 USD per transaction

International: 1.5% of the transaction amount

(min. 3.00 USD, max. 30.00 USD)

Cash Pickup

10.00 USD per transaction

PayPal Transfer

0.25 USD per transaction

PYUSD Transfer (subject to availability)

0.25 USD per transaction

Venmo Transfer

0.25 USD per transaction

Check Fee

3.00 USD per check

Third-party Digital Wallet Transfer

1.5% of the transaction amount (min. 1.50 USD)

Spendback Transfer

Greater of 0.50 USD or 1% of the transaction amount

Foreign Exchange Spread

• Basic - United States (USD), Canada (CAD), Hong Kong (HKD), Australia (AUD), SEPA countries (EUR), United Kingdom (GBP), and Mexico (MXN): 2% of transaction amount
• Rest of World – all other countries/regions: 4% of transaction amount

Subaccount Unload Transfer

5.00 USD per transfer

Return Fee (applicable to any incorrect payment instruction provided by Merchant or a Payee)

10.00 USD per return

Hyperwallet Branded Card Issuing Fees (plastic, contactless, chip-and-pin, or magnetic stripe)

Applicable to U.S. issuers:

• Magnetic Stripe Card: 2.95 USD per card
• Chip-and-Pin Card: 5.95 USD per card

Merchant Branded Card Issuing Fees (minimum order: 1,000 cards)

Applicable to U.S. issuers:

• Magnetic Stripe Card: 3.95 USD per card
• Chip-and-Pin Card: 5.95 USD per card

Virtual Card Issuing Fee

1.00 USD per card

Card Replacement Fee (does not apply to lost, stolen, or damaged cards)

Same as initial card fees

Shipping and Postage Fees

Pass-through

US

4.99% + fixed fee

Micropayments

1.50%

• 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.

Per each payment transaction

Commercial Transaction Rates

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

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

Bank account

Standard

• With eligible linked bank account

No Fee (when no currency conversion is involved)

Instant

• Withdrawal limits apply

1.50% of amount transferred

• Minimum fee applies based on the card withdrawal currency, in the table below

Cards

Standard

• With eligible linked debit card
• Withdrawal limits apply

No Fee (when no currency conversion is involved)

Instant

• With eligible linked debit card
• Withdrawal limits apply

1.50% of amount transferred

• Minimum fee applies based on the card withdrawal currency, in the table below

Per transaction

25,000.00 USD

Per transaction

50,000.00 USD

Per day

100,000.00 USD

Per week

250,000.00 USD

Per month

500,000.00 USD

US dollar

0.50 USD

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

Commercial Transaction and Invoicing Transaction Refunds

Full Refunds

• If you refund a Commercial Transaction or an Invoicing 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 or an Invoicing 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 Debit MasterCard

Use of the PayPal Debit MasterCard is subject to eligibility, application, approval by PayPal and your acceptance of the terms.

Please see our PayPal Debit MasterCard Cardholder Agreement