PayPal fees by country are determined first by the market where the receiving merchant account is registered—not simply by the customer’s country or the currency selected at checkout. The payment route then determines the base rate, the sender’s market can add an international percentage, and the currency received determines the fixed fee.
This guide compares representative standard commercial receiving rates for PayPal accounts in the United States, United Kingdom, Canada, and Australia. It also uses Germany as a European example to show why there is no single “Europe PayPal fee.”
Last verified: August 29, 2026, against PayPal’s official merchant fee pages. Rates below exclude currency conversion, negotiated pricing, charity and micropayment rates, disputes, withdrawals, and specialist products unless stated.
PayPal fees by country: quick comparison
These rows compare a clearly named standard online commercial route in each account market. They are not universal rates for every PayPal product.
| Merchant account market | Representative domestic route | Domestic rate | Fee on 100 local units | International addition |
|---|---|---|---|---|
| United States | PayPal Checkout | 3.49% + $0.49 | $3.98 | +1.50 percentage points |
| United Kingdom | All Other Commercial Transactions | 2.90% + £0.30 | £3.20 | +1.29 points from EEA; +1.99 from other markets |
| Canada | Commercial Transactions | 2.90% + C$0.30 | C$3.20 | +0.80 points from US; +1.00 from other countries |
| Australia | Commercial Transactions | 2.90% + A$0.30 | A$3.20 | +1.00 percentage point |
A lower percentage in one row does not automatically make one country “cheaper.” The named payment products differ, account eligibility varies, and the examples do not compare purchasing power or tax treatment.
PayPal fee calculator for US and UK accounts
The calculator below provides the detailed product and sender-market options currently supported for US and UK merchant accounts. Select the merchant account market first. Canada and Australia are covered by the verified examples and official source links later on this page.
Estimate the fee, net amount, or the minimum amount to request. Choose the merchant market and the way the customer pays for a more relevant result.
- Payment amount
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- Percentage fee
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- International add-on
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- Fixed fee
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- Estimated total fee
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- Effective fee rate
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For a broader US and UK product comparison, see our PayPal business fees for sellers guide. Use the PayPal international transaction fees guide when the sender and receiver are in different markets or currency conversion may apply.
What determines your PayPal country rate?
- Receiving account market: the merchant fee table normally starts with the market in which PayPal registers or identifies the receiving account.
- Payment route: Checkout, direct Goods and Services, card processing, invoices, QR codes, Pay Later, and other products can have different rates within the same country.
- Sender market: an international percentage can be added when PayPal identifies the sender and receiver as residents of different markets, subject to PayPal’s market groupings.
- Currency received: where a route has a fixed fee, that fixed amount generally follows the currency received rather than the merchant’s country name.
- Currency conversion: PayPal’s exchange-rate spread is a separate layer when PayPal converts money. It is not included in the examples on this page.
For example, a US merchant receiving EUR does not become a European merchant. The US account’s applicable percentage rate still starts from the US fee table, while the fixed amount can follow EUR and a conversion spread may apply if PayPal converts the balance.
PayPal fees in the United States
PayPal’s US merchant page was last updated July 15, 2026. It does not publish one domestic rate for every commercial payment. The correct row depends on how the customer pays.
| US payment route | Domestic rate | Fee on a $100 domestic payment | Seller receives |
|---|---|---|---|
| PayPal Checkout / Guest Checkout / Venmo | 3.49% + $0.49 | $3.98 | $96.02 |
| Direct Send/Receive Goods & Services | 2.99% | $2.99 | $97.01 |
| Standard credit or debit card | 2.99% + $0.49 | $3.48 | $96.52 |
| Pay Later | 4.99% + $0.49 | $5.48 | $94.52 |
Use the PayPal Goods and Services fee guide for the direct G&S route, or the PayPal Invoice Fee Calculator when the payment begins with an invoice.
PayPal fees in the United Kingdom
PayPal’s UK merchant page was last updated July 15, 2026. A typical PayPal-account payment for goods or services falls under “All Other Commercial Transactions,” while a qualifying card-funded payment made without a PayPal account has a different domestic rate.
| UK domestic route | Rate when GBP is received | Fee on £100 | Seller receives |
|---|---|---|---|
| All Other Commercial Transactions | 2.90% + £0.30 | £3.20 | £96.80 |
| Qualifying card payment without PayPal account | 1.20% + £0.30 | £1.50 | £98.50 |
PayPal also describes a separate 1.29% EEA-related service fee, but states that it applies only to merchants with separate agreements. It should not be added to every UK merchant example.
Upcoming UK change: PayPal’s policy update says that from October 1, 2026, an eligible UK merchant may contact PayPal to request enrolment in an optional tiered plan for domestic commercial transactions. The plan is not automatic, uses eligible commercial volume from the previous calendar month, and does not by itself establish the total fee for an international payment.
PayPal fees in Canada
PayPal’s Canadian merchant page was last updated July 15, 2026. The standard domestic commercial rate is 2.90% plus the fixed fee; when CAD is received, the standard fixed fee is C$0.30.
On a C$100 domestic commercial payment, the fee is C$3.20 and the seller receives C$96.80. Canada’s different US and rest-of-world additions—summarized in the comparison table above—are a good example of why a generic international rate cannot be applied to every country pair.
PayPal fees in Australia
PayPal’s Australian merchant page was last updated July 23, 2026. The standard commercial rate is 2.90% plus the fixed fee, and the standard AUD fixed amount is A$0.30. PayPal adds 1.00 percentage point to international commercial transactions.
On an A$100 domestic commercial payment, the fee is A$3.20 and the seller receives A$96.80. PayPal also lists a 1.20% domestic QR-code rate, demonstrating that product choice still matters within the same market. PayPal states that its Australian Combined Financial Services Guide and Product Disclosure Statement prevails if it conflicts with the merchant webpage.
PayPal fees in Europe are not one rate
Do not use a single row labelled “Europe” for every merchant account. PayPal publishes market-specific fee pages, and both the product rate and fixed fee can differ.
- Germany example: PayPal Checkout is 2.99% plus a €0.39 fixed fee, while direct Goods and Services is 2.49% plus a €0.35 fixed fee.
- Spain example: “All Other Commercial Transactions” is 2.90% plus a €0.35 fixed fee.
- EEA treatment: local fee pages can treat certain EEA transactions as domestic, but the exact product row still comes from the receiving account’s own market page.
For direct verification, use PayPal’s merchant pages for Germany, France, Spain, or Italy. The page language can be local, but its “Relevant Market/Region” section identifies the account market covered.
India is another reason not to use a continent-wide rate: PayPal’s India merchant page states that India users are supported for international payments only and lists 4.40% plus a fixed fee for receiving an international commercial transaction. An “Asia domestic fee” would therefore be misleading.
The fixed fee follows the currency received
Many commercial routes add a fixed amount based on the currency received. That is why a US merchant receiving EUR can have a euro fixed fee even though the applicable percentage starts from the US market’s product row.
| Receiving account market | Local currency | Standard fixed fee where applicable |
|---|---|---|
| United States | USD | $0.49 |
| United Kingdom | GBP | £0.30 |
| Canada | CAD | C$0.30 |
| Australia | AUD | A$0.30 |
| Germany — general commercial routes | EUR | €0.39 |
| Germany — direct G&S | EUR | €0.35 |
How to find the official PayPal fee for any country
- Open PayPal’s website for the market where the receiving account is registered.
- Choose the merchant or business fee page, not only the consumer fee page.
- Confirm that “Relevant Market/Region” names the correct account market.
- Find the exact product row used for the payment.
- If the sender is abroad, add only the international percentage listed for that sender group.
- Use the fixed-fee table for the currency actually received.
- Check PayPal’s transaction exchange rate separately if conversion will occur.
- Read the page’s last-updated date and policy updates before relying on the result.
Official merchant fee pages used for this comparison: United States, United Kingdom, Canada, and Australia.
Personal payments are a different fee category
The tables above are for commercial receiving fees. Personal payments can use different consumer fee schedules based on the account market, funding source, sender and recipient markets, and whether conversion occurs. Never use Friends and Family to pay for a sale or service: personal payments are not a legitimate method for avoiding commercial fees and are not covered as a commercial purchase.
PayPal fees by country: FAQs
Are PayPal fees the same in every country?
No. The base product rate, international addition, fixed fees, currency-conversion rules, and available products can differ by account market.
Which country determines the PayPal receiving fee?
The receiving merchant account’s registered or PayPal-identified market normally determines the merchant fee table. The sender’s market can then affect any international addition.
Is the fixed fee based on country or currency?
For standard commercial rows with a fixed fee, PayPal generally bases that amount on the currency received. The applicable currency table still comes from the receiving account market’s fee page.
Are PayPal fees the same across Europe?
No. EEA groupings can affect whether a payment is treated as domestic, but product rates and fixed fees can still differ by merchant account market. Use a named country page rather than a generic Europe rate.
Does receiving USD give every seller the US rate?
No. Receiving USD can determine the fixed fee and whether conversion is needed, but it does not turn a UK, Canadian, Australian, or European PayPal account into a US account.
Which country has the lowest PayPal fee?
There is no reliable single answer because payment products, eligibility, currency, sender market, and account-specific pricing differ. Do not create or misstate an account market merely to seek another country’s rate.
Does the calculator support Canada and Australia?
The interactive product calculator currently supports US and UK merchant accounts. The Canada and Australia tables on this page show verified standard commercial examples and link to PayPal’s official market pages.
How often do PayPal country fees change?
PayPal can update rates, products, or policy terms at different times in each market. Check the official page’s last-updated date and any upcoming policy notice before quoting or invoicing.
Official sources and methodology
- PayPal US Merchant Fees — updated July 15, 2026.
- PayPal UK Merchant Fees — updated July 15, 2026.
- PayPal UK Policy Updates — optional October 2026 tiered plan noted above.
- PayPal Canada Merchant Fees — updated July 15, 2026.
- PayPal Australia Merchant Fees — updated July 23, 2026.
- PayPal Germany Merchant Fees and PayPal Spain Merchant Fees — updated July 15, 2026.
- PayPal India Merchant Fees — updated March 28, 2024; page checked August 29, 2026.
PayFeeCalc is an independent fee-estimation resource and is not affiliated with or endorsed by PayPal. PayPal’s current fee page, account classification, product selection, agreement, and transaction exchange rate control. This page is informational and is not legal, tax, or financial advice.