Interchange fee rates: Approximately ranges from 0.2% to 2%. See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.
When you sell with us, you can get some of the most competitive rates in the business.
Get a quote and compare PayPal Advanced and Virtual Terminal card transactions to other card processing services. Go to the Online Quotation Tool.
Last Updated: 10, October 2024
You can find details about changes to our rates and fees and when they will apply on our
Policy Updates Page. You can also view these changes by clicking ‘Legal’ at the bottom of any web-page and then selecting ‘Policy Updates’.
A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents of the same market.
A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. Certain markets are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Market/Region Grouping Table.
International transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the United Kingdom, Guernsey, Jersey, Isle of Man are treated as domestic transactions for the purpose of applying fees.
We may refer to two-letter market codes throughout our fee pages. For a complete listing of PayPal market codes, please access our Market Code Table.
Rates published below apply to PayPal accounts of residents of the following market/region:
| United Kingdom (UK) | Guernsey (GG) | Jersey (JE) |
|---|---|---|
| Isle of Man (IM) |
When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.
The applicable fee for receiving domestic commercial and QR Code transactions applies plus the additional percentage-based fee for international commercial transactions.
This fee only applies to merchants who have separate agreements with PayPal. An additional service fee, following a change in applicable laws, regulations or card scheme rules relating to the sending or receipt of commercial transactions, may be applied on the amount of a commercial transaction received by merchants with a PayPal account registered in the UK market/region from a sender whose account is registered with or identified by PayPal as being in the EEA market/region.
| Payment type | Fee |
|---|---|
| Commercial transactions where the recipient’s market/region is registered or identified by PayPal as the UK (including GG, JE and IM) | 1.29% |
When you accept the User Agreement or the PayPal Fundraisers Terms and Conditions 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.
| Transaction Type | Rate |
|---|---|
| Donation | 2.9% + fixed fee |
| QR code Transactions – GBP 10.01 and above | Commercial Transaction rates apply |
| QR code Transactions – GBP 10.00 and below | Commercial Transaction rates apply |
| PayPal Fundraisers (Listed) | Commercial Transaction rates apply |
| PayPal Fundraisers (Unlisted) | No fee |
The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.
| Payment Type | Rate |
|---|---|
| PayPal Fundraisers (Unlisted Fundraisers) | Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates) |
| All Other Donations | No Fee |
The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).
| Payment Type | Rate |
|---|---|
| PayPal Fundraisers (Unlisted Fundraisers) | Sending and Receiving Money Rates (i.e., sending international personal transactions rates) |
| All Other Donations | No Fee (when no currency conversion is involved) |
Charity transaction rates are subject to application and pre-approval by PayPal. Once approved by PayPal, these rates will apply to all commercial transaction payments and donations received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.
The fee for receiving domestic charity transactions applies plus the additional percentage-based fee for international transactions.
We may allow your customers to choose any of the alternative payment methods (APM) listed in our APM agreement at checkout to pay you for purchases.
For a complete listing of the APMs we support, please see Annex 1 of your market’s APM agreement. You must accept the terms of your market’s APM agreement before receiving APM payments.
Our Commercial Transaction Rates apply when you receive APM funded payments. Additionally, if you are using the New Checkout Solution, a reduced rate may apply.
Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of the terms of the PayPal Online Card Payment Services Agreement. These rates will apply to all commercial transaction payments received using PayPal Online Card Payment Services.
Capitalized terms in this section are defined in the PayPal Online Card Services Agreement.
| Payment type | Rate |
|---|---|
Advanced Credit and Debit Card Payments - Blended Pricing Fee Structure:
| 1.2% + fixed fee |
Advanced Credit and Debit Card Payments - Interchange Plus Fee Structure:
| Interchange Fee + 1.2% + fixed fee |
Advanced Credit and Debit Card Payments
| 3.5% |
| Website Payments Pro - Standard PayPal Payment using Express Checkout | 2.9% + fixed fee |
Website Payments Pro - Blended Pricing Fee Structure:
| 3.4% + fixed fee |
Website Payments Pro - Interchange Plus Fee Structure:
| Interchange Fee + 2.9% + fixed fee |
| Virtual Terminal - Standard PayPal Payment using Express Checkout: | 2.9% + fixed fee |
Virtual Terminal - Blended Pricing Fee Structure:
| 1.2% + fixed fee |
Virtual Terminal - Interchange Plus Fee Structure:
| Interchange Fee + 1.2% + fixed fee |
| Other Payments | Commercial Transaction rates apply |
For Advanced Credit and Debit Card Payments users only: you may opt to be charged under the Interchange Plus Plus Fee Structure. Please contact us for further information. The additional terms outlined in the PayPal Online Card Payment Services Agreement apply.
Receiving international transactions using PayPal Online Card Payment Services
The fee for receiving domestic transactions using PayPal Online Card Payment Services applies plus the additional percentage-based fee for international transactions. The additional fee does not apply to interchange-based fees under the Interchange Plus or Interchange Plus Plus Fee Structure, American Express card type transactions, and APM (as applicable).
| Activity | Description | Rate |
|---|---|---|
| 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% per transaction |
| Advanced Fraud Tool | Optional service for Advanced Credit and Debit Card Payments | GBP 0.06 per transaction |
| Card Account Verification Transactions | For each account verification request (for all Direct Payment API or Virtual Terminal card account verification transactions (Visa and MasterCard only). For the avoidance of doubt, this does not include Uncaptured Authorization Transactions. | GBP 0.20 |
| Chargeback Protection Tool | Optional service for Advanced Credit and Debit Card Payments | 0.59% 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. (Website Payments Pro & Virtual Terminal) | 0.5% per transaction |
| Monthly Fees | Website Payments Pro (including Express Checkout, Direct Payments API and Virtual Terminal) | GBP 20.00 |
| Virtual Terminal Only | GBP 20.00 | |
| Recurring Payment Tool | Optional Service for Website Payments Pro & Virtual Terminal | GBP 20.00 per month |
| Uncaptured Authorization Transactions | For each successful but uncaptured authorization transaction via Direct Payment API or Virtual Terminal | GBP 0.20 |
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.
| Transaction | Rate |
|---|---|
| Domestic PayPal Payouts | 2% of total transaction amount (not to exceed the domestic maximum fee cap below) |
| Other International PayPal Payouts | 2% of total transaction amount (not to exceed the international maximum fee cap below) |
Based on payment currency:
Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates can be ideal as an alternative to standard commercial transaction rates for business that process payments under 5.00 GBP. If you upgrade to the Micropayment rate, this rate will apply to all commercial transaction payments received into your PayPal account. Please contact us to apply for the Micropayment rate.
Based on payment currency:
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).
The chargeback fee is based on the currency received as follows:
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 the User Agreement for more information about Standard and High Volume Dispute fees.
Dispute fees will be applied in the currency of the original transaction.
For information about how we convert currency, please see the user agreement.
Please access the Currency Converter tool below to indicate the applicable rate that may apply to your transaction. Any rates shown are subject to change based on time and date of the completed transaction.
| Rate |
|---|
| 3% above the base exchange rate |
Sometimes the sender of a payment you receive may use an eCheque as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the user agreement for more information about eCheques. When you receive an eCheque 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 eCheque fees
| Payment Type | Rate |
|---|---|
| Per each payment transaction | Commercial Transaction Rates |
| Currency | Maximum fee cap |
|---|---|
| Australian dollar | AUD 50.00 |
| Brazilian real | BRL 75.00 |
| Canadian dollar | CAD 45.00 |
| Czech koruna | CZK 850.00 |
| Danish krone | DKK 250.00 |
| Euro | EUR 35.00 |
| Hong Kong dollar | HKD 330.00 |
| Hungarian forint | HUF 9,250 |
| Israeli new shekel | ILS 160.00 |
| Japanese yen | JPY 4,000 |
| Malaysian ringgit | MYR 150.00 |
| Mexican peso | MXN 540.00 |
| New Taiwan dollar | TWD 1,350 |
| New Zealand dollar | NZD 60.00 |
| Norwegian krone | NOK 270.00 |
| Philippine peso | PHP 1,900.00 |
| Polish zloty | PLN 140.00 |
| Russian ruble | RUB 1,400.00 |
| Singapore dollar | SGD 60.00 |
| Swedish krona | SEK 320.00 |
| Swiss franc | CHF 50.00 |
| Thai baht | THB 1,400.00 |
| UK pounds sterling | GBP 30.00 |
| US dollar | USD 45.00 |
You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible cards. Withdrawal to a bank account or a card may not be possible in all markets. A currency conversion (and currency conversion fees) may also apply.
| Withdrawal/Transfer to | Market | Rate |
|---|---|---|
| Bank account | All (where available) | No Fee (when no currency conversion is involved) |
| US bank account | All (where available) | 3.00% (when no currency conversion is involved) |
| Cards | UK, JE, GG, & IM | No Fee (when no currency conversion is involved) |
Included below are fees associated with events, requests, or actions that may happen when you use your account.
| Activity | Description | Rate |
|---|---|---|
| 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. | See Bank Return on Withdrawal/Transfer out of PayPal Table below. |
| Commercial Transaction Refunds | Full Refunds |
|
| Partial Refunds |
| |
| 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. |
| Inactive PayPal Account | The inactivity fee will be the lesser of the fee listed below or the remaining balance in your account. | See Inactive PayPal Account Fee Table below. |
| PayPal Business Payments | This is a payment between UK users (i) made through a third party’s product or service and funded exclusively using either (or both) balance or eCheque and (ii) for which the PayPal Business Payment fee applies. The PayPal Business Payment fee is paid by the recipient, unless it is disclosed to the sender before payment is sent that the sender must pay this fee. | GBP 2.00 per transaction in GBP USD 0.50 per transaction in USD |
| Records Request | This fee will apply for requests of information relating to why we had reasonable justification to refuse your payment order. We will not charge you for records requested in connection with your good-faith assertion of an error in your PayPal account. | GBP 10.00 or EUR 12.00 (per item) |
UK Business Debit Card – Cash withdrawal fee Use of the UK Business Debit Card is subject to eligibility, application, approval by PayPal and your acceptance of the terms of the UK PayPal Business Debit Mastercard Cardholder Agreement. | The fee applies to cash withdrawals at an ATM (inside and outside the UK). The ATM provider may charge additional fees. | GBP 1.00 (per transaction) |
| Market/Region | Fee |
|---|---|
| UK users | GBP 0.50 |
| Users registered in the Eurozone | EUR 3.00 |
| Currency | Fee |
|---|---|
| Czech koruna | CZK 270.00 |
| Danish krone | DKK 75.00 |
| Euro | EUR 10.00 |
| Hungarian forint | HUF 3,600 |
| Norwegian krone | NOK 105.00 |
| Polish zloty | PLN 45.00 |
| Swedish krona | SEK 100.00 |
| Swiss franc | CHF 10.00 |
| UK pounds sterling | GBP 9.00 |