Fees Policy
Fees Policy
Last update: March 16, 2020
1. General
Fees depend on whether a Commercial Transaction or a Personal Transaction is made.
For more information about Fees please visit:
- https://www.paypal.com/ch/webapps/mpp/paypal-fees
- https://www.paypal.com/ch/webapps/mpp/merchant-fees
1.1. Commercial Transactions and Personal Transactions
A “Commercial Transaction” involves buying and selling goods and services, or payments received when you “request money” using the PayPal Services.
”Personal Transaction“ involves sending money (initiated from the “Personal” tab of the “Send Money” flow) to, and receiving money into your PayPal Account from, friends and family without making a purchase (that is, the payment is not for goods or services). A Personal Transaction which is a Domestic Transaction is referred to as a "Domestic Personal Transaction" and a Personal Transaction which is a Cross-Border Transaction is referred to as a "Cross-Border Personal Transaction".
If you are selling goods or services, you may not ask the buyer to send you a Personal Transaction payment for the purchase. If you do so, PayPal may remove your ability to accept any or all payments for Personal Transactions.
1.2. Domestic Transactions and Cross-Border Transactions
A “Domestic Transaction“ is a transaction in Swiss francs (CHF) from or to PayPal where the PayPal Accounts of both the sender and the receiver are registered in Switzerland.
Any other transaction is a “Cross-Border Transaction“.
1.3. Variable Fee and Fixed Fee
1.3.1. Variable Fee
Fees shown in percentages refer to the respective percentage of the respective transaction amount ("Variable Fee").
1.3.2. Fixed Fee
As far as this Fees Policy refers to "Fixed Fee" this means a fixed fee in amount in the respective transaction currency as set out below:
| Fixed fee in transaction currency | |||
| Australian dollars: | AUD 0.30 | Mexican pesos: | MXN 4.00 |
| Brazilian real: | BRL 0.60 | New Taiwan dollars: | TWD 10.00 |
| British pounds sterling: | GBP 0.20 | New Zealand dollars: | NZD 0.45 |
| Canadian dollars: | CAD 0.30 | Norwegian kroner: | NOK 2.80 |
| Czech koruna: | CZK 10.00 | Philippine pesos: | PHP 15.00 |
| Danish kroner: | DKK 2.60 | Polish zloty: | PLN 1.35 |
| Euros: | EUR 0.35 | Russian rubles: | RUB 10.00 |
| Hong Kong dollars: | HKD 2.35 | Swedish kronor: | SEK 3.25 |
| Hungarian forint: | HUF 90.00 | Swiss francs: | CHF 0.55 |
| Israeli new shekels: | ILS 1.20 | Singapore dollars: | SGD 0.50 |
| Japanese yen: | JPY 40.00 | Thai baht: | THB 11.00 |
| Malaysian ringgit: | MYR 2.00 | US dollars: | USD 0.30 |
1.4. Country Groups
When in this Fees Policy we are speaking of “Country Groups”, we are referring to the following:
| Definitions of country groups | |
| Country Group | Countries |
| Northern Europe | Denmark (including Faroe Islands and Greenland), Finland (including Aland), Iceland, Norway, Sweden |
| Europe I | Austria, Belgium, Cyprus, Estonia, France (including French Guyana, Guadeloupe, Martinique, Mayotte, Reunion), Germany, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovak Republic, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City |
| North America | Canada, United States of America |
| Europe II | Albania, Andorra, Belarus, Bosnia and Hercegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Poland, Republic of Moldova, Romania, Russia, Serbia Switzerland, Ukraine |
| LATAM | Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Ecuador, El Salvador, Honduras, Montserrat, Netherlands Antilles, Panama, Paraguay, Peru, Puerto Rico, Saint Kitts and Nevis, Saint Lucia, Saint Vincent And The Grenadines, Suriname, Turks And Caicos Islands, Trinidad And Tobago, Uruguay, Venezuela, Virgin Islands (British),Virgin Islands (U.S.) |
| APAC | Australia, Bangladesh, Bhutan, Cambodia, China Domestic, China World Wide, Democratic People’s Republic of Korea, Federated States of Micronesia, Hong Kong, India, Indonesia, Japan, Mongolia, Macau, Maldives, Malaysia, Nepal, New Zealand, Norfolk Island, Pakistan, Peoples Democratic Republic of Lao, Philippines, Republic of Korea, Samoa, Singapore, Sri Lanka, Taiwan, Thailand, Tonga, Vietnam |
| Rest of World | all other countries not mentioned in any of the Country Groups above |
When sending a Personal Transaction payment, the sender will pay the respective Fee.
The Personal Transaction fee will be shown at the time of payment.
2.1. Domestic Personal Transactions
| Activity | Fee for the portion of the payment amount sent from: | Fee for the portion of the payment amount sent from Balance automatically obtained for the payment from all other Funding Sources. |
| Sending a Domestic Personal Transaction payment from your Balance | Free (when no currency conversion is involved) | Free when sent in Swiss francs (CHF); all other currencies: 3.40% plus Fixed Fee (charged in the currency in which your payment is received) |
2.2. Cross-Border Personal Transactions
To determine the fee for a Cross-Border Personal Transaction:
Find the country in which the recipient's registered address is located (see clause 2.2.2. below for further reference or ask the recipient if you are not sure) (second column).
Then find the applicable Cross-Border Personal Transaction fee (and, where applicable, the Additional Personal Transaction fee) (third and fourth columns).
| Activity | Country Group of recipient's Account | Personal Transaction payment Fee | Additional Cross-Border Personal Transaction Fee for the portion of the payment amount sent from Balance automatically obtained for the payment from all Funding Sources other thank bank account |
| Sending a Cross-Border Personal Transaction payment from your Balance | Northern Europe, North America, Europe I, Europe II | CHF 2.49 | 3.40% + Fixed Fee (charged in the currency in which your payment is received) |
| LATAM, APAC, Rest of World | CHF 4.99 |
3.1. Sending Payments
When you send a Commercial Transaction no Fees apply if no currency conversion is required.
3.2. Receiving Domestic Transactions
PayPal shall charge a Fee for receiving Domestic Transactions in your PayPal Account a Variable Fee in amount equal to 3.40% of the respective payment transaction amount plus Fixed Fee.
3.3. Merchant Rate
“Merchant Rate” may be granted only upon separate application by a merchant and will be evaluated on a case-by-case basis and requires inter alia qualifying monthly transaction volume, an average shopping cart of a particular size and a PayPal Account in good standing.
| Monthly Transaction Volume Processed via PayPal Account | Merchant Rate Fees |
| CHF 4,000.00 – CHF 16,000.00 | Variable Fee of 2.90% plus Fixed Fee |
| CHF 16,000.01 – CHF 80,000.00 | Variable Fee of 2.70% plus Fixed Fee |
| CHF 80,000.01 – CHF 160,000.00 | Variable Fee of 2.40% plus Fixed Fee |
| more than CHF 160,000.00 | Variable Fee of 1.90% plus Fixed Fee |
The Fixed Fee shall be charged in the respective transaction currency as set out in clause 1.3.2. above.
3.4. Receiving Cross-Border Transactions
PayPal shall charge a Fee for receiving Cross-Border Transactions in your PayPal Account in amount equal to the Variable Fee for Domestic Transactions plus a Cross-Border Fee according to the Country Group (see clause 1.4. above) in which the PayPal Account of the sender is registered plus Fixed Fee. The Variable Fee shall in these cases be increased by the percentage points set out below:
| Country Group | Cross-Border Fee |
| Northern Europe | +0.40 percentage points |
| Europe I | +0.50 percentage points |
| North America | +1.00 percentage points |
| Europe II | +1.00 percentage points |
| LATAM | +2.00 percentage points |
| APAC | +2.00 percentage points |
| Rest of World | +2.00 percentage points |
4. Additional Fees
For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the Seller has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 3.00% above the transaction exchange rate («Currency Conversion Fee») according to clause 5.2. of the PayPal User Agreement.
For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the Base Rate:
| CURRENCY CONVERSION FEE ACCORDING TO CURRENCY | |
| Currency converted to | Currency Conversion Fee |
| Australian dollars (AUD) | 4.00% |
| Brazilian real (BRL) | 4.00% |
| British pounds sterling (GBP) | 4.00% |
| Canadian dollars (CAD) | 4.00% |
| Czech koruna (CZK) | 4.00% |
| Danish kroner (DKK) | 4.00% |
| Euros (EUR) | 4.00% |
| Hong Kong dollars (HKD) | 4.00% |
| Hungarian forint (HUF) | 4.00% |
| Israeli new shekels (ILS) | 4.00% |
| Japanese yen (JPY) | 4.00% |
| Malaysian ringgit (MYR) | 4.00% |
| Mexican pesos (MXN) | 4.00% |
| New Taiwan dollars (TWD) | 4.00% |
| New Zealand dollars (NZD) | 4.00% |
| Norwegian kroner (NOK) | 4.00% |
| Philippine pesos (PHP) | 4.00% |
| Polish zloty (PLN) | 4.00% |
| Russian rubles (RUB) | 4.00% |
| Singapore dollars (SGD) | 4.00% |
| Swedish kronor (SEK) | 4.00% |
| Swiss francs (CHF) | 4.00% |
| Thai baht (THB) | 4.00% |
| US dollars (USD) | 4.00% |
4.2. Chargeback Fee
To cover the cost of processing Chargebacks, PayPal assesses a “Chargeback Fee” to Sellers for credit card payment chargebacks. A chargeback may occur when a Buyer rejects or reverses a charge on his or her credit card through the card issuer.
The Chargeback Fee does not apply if the transaction is covered by the PayPal Seller Protection Policy.
The Chargeback Fee applies in the relevant local currency as follows:
| CHARGEBACK FEE DEPENDING ON CURRENCY RECEIVED | |||
| Australian dollars: | AUD 22.00 | Mexican pesos: | MXN 250.00 |
| Brazilian real: | BRL 35.00 | New Taiwan dollars: | TWD 10.00 |
| British pounds sterling: | GBP 14.00 | New Zealand dollars: | NZD 28.00 |
| Canadian dollars: | CAD 20.00 | Norwegian kroner: | NOK 125.00 |
| Czech koruna: | CZK 400.00 | Philippine pesos: | PHP 900.00 |
| Danish kroner: | DKK 120.00 | Polish zloty: | PLN 65.00 |
| Euros: | EUR 16.00 | Russian rubles: | RUB 640.00 |
| Hong Kong dollars: | HKD 155.00 | Swedish kronor: | SEK 150.00 |
| Hungarian forint: | HUF 4,325.00 | Swiss francs: | CHF 22.00 |
| Israeli new shekels: | ILS 75.00 | Singapore dollars: | SGD 28.00 |
| Japanese yen: | JPY 1,875.00 | Thai baht: | THB 650.00 |
| Malaysian ringgit: | MYR 65.00 | US dollars: | USD 20.00 |
4.3. Commercial Transaction Refund Fee
If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are no returned to you.
4.4. PayPal Mass Payments
For the use of the PayPal Mass Payments function PayPal shall charge a Fee in an amount equal to 2.00% of the respective transaction amount (“Mass Payment Fee”).
A maximum fee cap per individual transaction using PayPal Mass Payments shall apply as set out below for Domestic Transactions and for all other transaction based on the respective payment currency:
| Currency of PayPal Mass Payments | Fee cap for Domestic Transactions using PayPal Mass Payments | Fee cap for all other transactions using PayPal Mass Payments |
| Australian dollars | AUD 16.00 | AUD 100.00 |
| Brazilian real | BRL 24.00 | BRL 150.00 |
| British pounds sterling | GBP 10.00 | GBP 60.00 |
| Danish kroner | DKK 84.00 | DKK 500.00 |
| Euros | EUR 12.00 | EUR 70.00 |
| Hong Kong dollars | HKD 110.00 | HKD 660.00 |
| Israeli new shekels | ILS 50.00 | ILS 320.00 |
| Japanese yen | JPY 1,200.00 | JPY 8,000.00 |
| Canadian dollars | CAD 14.00 | CAD 90.00 |
| Malaysian ringgit | MYR 50.00 | MYR 300.00 |
| Mexican pesos | MXN 170.00 | MXN 1,080.00 |
| New Taiwan dollars | TWD 440.00 | TWD 2,700.00 |
| New Zealand dollars | NZD 20.00 | NZD 120.00 |
| Norwegian kroner | NOK 90.00 | NOK 540.00 |
| Philippine pesos | PHP 640.00 | PHP 3,800.00 |
| Polish zloty | PLN 46.00 | PLN 280.00 |
| Russian rubles | RUB 480.00 | RUB 2,800.00 |
| Swedish kronor | SEK 100.00 | SEK 640.00 |
| Swiss francs | CHF 16.00 | CHF 100.00 |
| Singapore dollars | SGD 20.00 | SGD 120.00 |
| Thai baht | THB 460.00 | THB 2,800.00 |
| Czech koruna | CZK 280.00 | CZK 1,700.00 |
| Hungarian forint | HUF 3,080.00 | HUF 18,500.00 |
| US dollars | USD 14.00 | USD 90.00 |
4.5. Records Request Fee
If you apply for requests of information relating to why we had reasonable justification to refuse your Payment Order PayPal shall charge a Fee in an amount of CHF 12.00 per document requested (“Records Request Fee”).
We will not charge the Records Request Fee for records requested in connection with your good-faith assertion of an error in your PayPal Account.
4.6. Bank Return Fee on Withdrawal
In the event a withdrawal initiated by you fails because of incorrect or incomplete Bank account information ("Failed Withdrawal"), PayPal shall charge a Fee in an amount of CHF 5.00 per such Failed Withdrawal.
4.7. Charity Pricing
PayPal offers lower Fees to charities subject to prior application by the charity and approval by PayPal (“Charity Pricing”) with a Variable Fee of 1.90% plus Fixed Fee for receiving Domestic Transactions. The Fees for receiving Cross-Border Transactions apply as set out in clause 3.4. accordingly.
4.8. Micro Pricing
4.8.1. Micro Pricing Fees
Subject to your prior application and to approval by PayPal you can switch your Business Account to receiving micro payments (“Micro Pricing”). The Micro Pricing shall apply after this switch for receiving Commercial Transactions as follows:
| Fees for receiving Domestic Transactions | Variable Fee ("Micro Pricing Variable Fee") of 5.00% Micro Pricing Fixed Fee |
| Fees for receiving Cross-Border Transactions | Micro Pricing Variable Fee of 5.50% plus Micro Pricing Fixed Fee |
4.8.2. Micro Pricing Fixed Fee
For Micro Pricing the Fixed Fee ("Micro Pricing Fixed Fee") shall by way of derogation from clause 1.3.2. above apply depending on the currency received as set out below:
| MICRO PRICING FIXED FEE | |||
| Australian dollars: | AUD 0.05 | Mexican pesos: | MXN 0.55 |
| Brazilian real: | BRL 0.10 | New Taiwan dollars: | TWD 2.00 |
| British pounds sterling: | GBP 0.05 | New Zealand dollars: | NZD 0.08 |
| Canadian dollars: | CAD 0.05 | Norwegian kroner: | NOK 0.47 |
| Czech koruna: | CZK 1.67 | Philippine pesos: | PHP 2.50 |
| Danish kroner: | DKK 0.43 | Polish zloty: | PLN 0.23 |
| Euros: | EUR 0.10 | Russian rubles: | RUB 2.00 |
| Hong Kong dollars: | HKD 0.39 | Swedish kronor: | SEK 0.54 |
| Hungarian forint: | HUF 15.00 | Swiss francs: | CHF 0.09 |
| Israeli new shekels: | ILS 0.20 | Singapore dollars: | SGD 0.08 |
| Japanese yen: | JPY 7.00 | Thai baht: | THB 1.80 |
| Malaysian ringgit: | MYR 0.20 | US dollars: | USD 0.05 |
5. Due Dates, Taxes, and Third-Party Fees
All quoted fees are due immediately. All Fees are payable by you without set off or other deductions. You agree that we can deduct our Fees from the amounts we transfer but before those funds are credited to your PayPal Account.
Quoted Fees are inclusive of all applicable taxes. Other taxes or costs may exist that are not paid through PayPal or imposed by us.
You are liable for telephone charges and any charges made by your internet service provider or similar or associated charges as a result of the use by you of the PayPal Services.