Start with the transaction details
- Payment amount
- Sender's country
- Recipient's country
- Transaction type
- Payment currency
- Receiving currency
- Whether currency conversion is required
PayPal pricing can vary across these fields, so one-rate answers can be misleading.
Current PayPal fees
| Payment type | Percentage rate | Fixed fee | Applicable market | Notes | Last verified |
|---|---|---|---|---|---|
| Goods & Services | 2.99% domestic + 1.50% international | Not applied | US | Official PayPal US merchant fee schedule | 2026-08-08 |
| Invoice | 3.49% domestic + 1.50% international | Currency-specific | US | Official PayPal US merchant fee schedule | 2026-08-08 |
| Commercial payment | 3.49% domestic + 1.50% international | Currency-specific | US | Official PayPal US merchant fee schedule | 2026-08-08 |
| Merchant card payment | 2.99% domestic + 1.50% international | Currency-specific | US | Official PayPal US merchant fee schedule | 2026-08-08 |
| Commercial payment | 3.40% domestic + 1.99% international | Currency-specific | PH | Official PayPal Philippines merchant fee schedule | 2026-08-08 |
| Commercial payment | 2.90% domestic + 1.00% international | Currency-specific | CA | Official PayPal Canada merchant fee schedule | 2026-08-08 |
| Commercial payment | 2.90% domestic + 1.99% international | Currency-specific | GB | Official PayPal UK merchant fee schedule | 2026-08-08 |
| Commercial payment | 2.90% domestic + 1.00% international | Currency-specific | AU | Official PayPal Australia merchant fee schedule | 2026-08-08 |
| Commercial payment | 0.00% domestic + 4.40% international | Currency-specific | IN | Official PayPal India merchant fee schedule | 2026-08-08 |
How PayPal fees are structured
Processing fee
The percentage-based portion of many PayPal commercial transactions.
Fixed fee
A currency-specific amount that can be added to eligible transactions.
International surcharge
An additional percentage that may apply across sender and recipient markets.
Currency conversion
An exchange-rate spread or conversion estimate when PayPal converts currencies.
Special or custom pricing
Some accounts may have custom pricing that should be confirmed inside PayPal.
Verified rate source
FeeClarity uses published PayPal documentation where verified fee data is available. Unsupported markets are clearly identified rather than estimated using another country's fee schedule.
Last verified: Aug 8, 2026
Frequently Asked Questions
PayPal charges depend on the market, payment type, amount, currency, and whether the transaction is domestic or international.
Goods & Services fees are commercial payment fees and may differ from checkout, invoice, merchant card, or personal payment rules.
PayPal currency conversion may include a spread in the exchange rate. FeeClarity separates estimated conversion costs when conversion is selected.
Yes. PayPal publishes different fee schedules by market, and FeeClarity uses verified local rules only where available.
Some businesses may have custom or special pricing. FeeClarity's standard calculator uses published rates unless a custom rate feature is explicitly entered by the user.
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Check conversionFeeClarity is an independent estimation tool and is not affiliated with PayPal. PayPal is a trademark of its owner. Actual fees may vary by country, account type, transaction type, funding source, currency conversion, merchant agreement, and other transaction details.