PayPal Merchant Fees

When you sell with us, you can get some of the most competitive rates in the business.

Last Updated: October 29, 2025

You can find details about changes to our rates and fees and when they will apply on our

Policy Updates Page or as otherwise required by the user agreement. You can also get to thePolicy Updates Page by clicking ‘Legal’ at the bottom of any webpage and then selecting ‘Policy Updates'.

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 theUser 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

Receiving international transactions

The fee for receiving domestic transactions applies plus theadditional percentage-based fee for international commercial transactions.

Additional percentage-based fee for international commercial transactions

Fixed fee for commercial transactions (based on currency received)

Fixed fee for QR code transactions (based on currency received)

Other fees for using Commercial Transactions

Buying, Selling, and Transferring Cryptocurrencies

Buying or selling a cryptocurrency using your business account

There’s a fee for buying or selling Crypto Assets using your business account. The fee will vary based on the USD value of your Crypto Assets purchase or sale amount.

The exchange rate you'll see before buying or selling Crypto Assets will also include acryptocurrency conversion spread. There's no fee for holding Crypto Assets in your account.

Transferring a cryptocurrency using your business account

Invoicing Transaction Rates

When you accept theUser Agreement andsend an invoice as a payment request for the sale of goods and services, and the customer sends you a payment via that invoice, we call that an “invoicing transaction.”

Standard rate for receiving domestic invoicing transactions

Receiving international invoicing transactions

The fee for receiving domestic Invoicing Transactions applies plus theadditional percentage-based fee for international invoicing transactions.

Additional percentage-based fee for international invoicing transactions

Fixed fee for invoicing transactions (based on currency received)

Standard rate for Invoice Subscription Service

As described in theInvoicing Terms and Conditions, if you subscribe to Invoice Subscription Service, the following applies:

Bill Pay for Business Accounts Transaction Rates

When you use theBill Pay for Business Accounts service to send funds to your Payees, we call that a “Bill Pay for Business Accounts Transaction”.

Standard rates for funding a Bill Pay for Business Accounts Transaction

The processing fee rate for funding a Bill Pay for Business Accounts Transaction is 2.9%; however, we provide certain discounts based on Funding Type, as follows:

Standard rates for disbursement of Bill Pay for Business Accounts Transactions

For any of the following disbursement types involving acurrency conversion by PayPal, the disbursement rate will also include a currency conversion spread.

Fixed fee for ACH – International Disbursements

Fixed fee for Wire Transfer Disbursements

Standard rate for Bill Pay for Business Accounts Subscription Service

If you subscribe to the two-way accounting syncing service as part of Bill Pay for Business Accounts, the following applies:

Receiving and Sending Donations

When you accept theUser Agreement 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.

Standard rate for receiving domestic donations

Receiving international donations

The applicable fee for receiving domestic donations applies plus theadditional percentage-based fee for international donations.

Additional percentage-based fee for international donations

Fixed fee for donations (based on currency received)

Standard rate for sending domestic donations

Standard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).

Charity Transaction Rates

Charity transaction rates are subject to eligibility, application, and pre-approval by PayPal, as further described in theConfirmed Charity Terms and Conditions. Once approved by PayPal, these rates will apply to certain payment types that are subject to theUser Agreement.

Receiving domestic charity transactions

Receiving international charity transactions

The fee for receiving domestic charity transactions applies plus theadditional percentage-based fee for international charity transactions.

Additional percentage-based fee for international charity transactions

Fixed fee for charity transactions (based on currency received)

Alternative Payment Method Rates

We may allow your customers to choose any of the alternative payment methods (APMs) listed in ourAPM agreement at checkout to pay you for purchases.

For a complete listing of the APMs we support, please seeAnnex 1 of the APM agreement. You must accept the terms of theAPM agreement before receiving APM payments.

Standard rate for receiving domestic transactions

Receiving international transactions

The fee for receiving domestic transactions applies plus theadditional percentage-based fee for international transactions.

Additional percentage-based fee for international APM transactions

Fixed fee for APM transactions (based on currency received)

Fixed fee for APM transactions through Pay Links and Buttons, Payment Links and Buttons, Payment Links, Buy Buttons, Shopping Cart Buttons (based on currency received)

Pay With Crypto

When you enable the option to allow your customers to pay in cryptocurrency, we call that “pay with crypto.”

PayPal Balance

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 thePayPal Balance Terms and Conditions.

PayPal Online Payment Services

Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of thePayPal Online Payment Services Agreement. These rates will apply to the following payment types received using PayPal Online Payment Services.

Capitalized terms in this section are defined in thePayPal Online Payment Services Agreement.

Receiving domestic transactions using PayPal Online Payment Services

Charity rates for receiving transactions using PayPal Card Payment Services

Charity rates for receiving transactions using the below PayPal Card Payment Services are subject to eligibility, application, and pre-approval by PayPal, as further described in theConfirmed Charity Terms and Conditions. See ourPayPal Online Payment Services Agreement for more details about the below services.

Fixed fee for PayPal Card Payment Services transactions for Payments Advanced and Payments Pro (based on currency received)

Fixed fee for PayPal Card Payment Services transactions for Advanced Credit and Debit Card Payments and Virtual Terminal (based on currency received)

Interchange Plus Plus fee structure for PayPal Card Payment Services transactions

Subject to activation in your account settings and your acceptance of thePayPal Online Payment Services Agreement, the following alternative fee structure may apply to eligible Payment Types.

Interchange Plus Plus Fixed fee for PayPal Card Payment Services transactions (based on currency received)

Receiving international transactions using PayPal Card Payment Services

The fee for receiving domestic PayPal Card Payment Services transactions applies plus theadditional percentage-based fee for international PayPal Card Payment Services transactions.

Additional percentage-based fee for international PayPal Card Payment Services transactions

Other fees for using PayPal Online Payment Services

Payflow Pro (Payment Gateway)

Payflow Pro gives you the flexibility to design a checkout page that matches your site’s branding, andPayflow 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 thePayflow Gateway Services Agreement.

Receiving transactions using Payflow

Other fees for using Payflow

PayPal Point of Sale Rates

Use of PayPal Point of Sale is subject to eligibility, application, approval by PayPal and your acceptance of thePayPal Point of Sale Agreement (formerly known as the PayPal Zettle Terms and Conditions) These rates will apply to the following payment types received using PayPal Point of Sale.

Standard rate for receiving transactions using PayPal Point of Sale

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

Fee and maximum fee cap for PayPal Payouts

Based on payment currency:

Hyperwallet

Hyperwallet allows you to easily send payments to multiple recipients at once. We typically charge you a fee for each payment you send using Hyperwallet, though in some cases, recurring fees may be charged (depending on the applicable Hyperwallet services). The fee is based on the type of payment and currency in which it is sent (depending on the applicable Hyperwallet services). The fee is based on the type of payment and currency in which it is sent.

Sending funds through Hyperwallet

Notes: (1) The definitions of certain payment types are provided in theHyperwallet Service Terms and Conditions. (2) PayPal and Venmo Transfers: These services are subject to the terms and conditions of the respective PayPal and Venmo agreements.

Other fees or charges for using Hyperwallet Services

Micropayments

When you accept theUser Agreement, you may apply to receive Micropayments pricing for certain lower value transactions processed through your PayPal account. The rate below applies to bothDynamic and Static Micropayments.

Receiving domestic micropayments

Receiving international transactions

The fee for receiving domestic transactions applies plus theadditional percentage-based fee for international transactions.

Additional percentage-based fee for international Micropayment transactions

Micropayments fixed fee

Based on payment currency:

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 Card Payment Services, please see thePayPal Online Payment Services Agreement.

The chargeback fee is based on the currency received as follows:

Chargeback fees

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 theUser 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

High Volume Dispute Fees

Currency Conversions

For any of the following types of transactions involving acurrency conversion by PayPal, the transaction exchange rate will also include a currency conversion spread.

Converting payments in another currency

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 theuser 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

Maximum fee cap for E-checks

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 (andcurrency conversion spread) may also apply.

Withdrawing a balance from a PayPal business account

Withdrawal Limits – Instant Transfer for Bank

Withdrawal Limits – Standard and Instant Transfers for Cards

Minimum fee – Instant Transfer

Based on withdrawal currency:

Other Merchant Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.

Other Fees

Credit Card and Debit Card Link and Confirmation Table