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FX live, 150 of 153 currencies refreshed 27 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
PayPal · launched 1998
PayPal wallet checkout for merchants. Buyer protection and dispute handling are bundled into the rate, which sits above raw card acquiring.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: PayPal currency conversion spread.
In force since 26 Mar 2024
4% effective
−11.3% relative · from 4.51%
−21.1% relative · 4 revisions
Currency conversion · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
26 Mar 2024 → current
8 Apr 2022 → 26 Mar 2024
Volume tier thresholds revised.
6 Sept 2020 → 8 Apr 2022
Repriced following competitive pressure in the market.
Currency conversion pricing across every country where this method is available, with the cost on a €100.00 payment for comparison.
1 Jan 2019 → 6 Sept 2020
| France |
| 4% |
| €4.00 |
| 4% |
| 1 Oct 2023 |
| Estimate |
| Germany | 4% | €4.00 | 4% | 28 Jun 2024 | Estimate |
| Hong Kong | 4% | HK$4.00 | 4% | 19 Dec 2024 | Estimate |
| India | 4% | ₹4.00 | 4% | 13 Nov 2021 | Estimate |
| Ireland | 4% | €4.00 | 4% | 29 Mar 2025 | Estimate |
| Israel | 4% | ₪4.00 | 4% | 3 Oct 2024 | Estimate |
| Italy | 4% | €4.00 | 4% | 12 Jan 2025 | Estimate |
| Japan | 4% | ¥4 | 4% | 1 Mar 2023 | Estimate |
| Malaysia | 4% | MYR 4.00 | 4% | 15 Jan 2024 | Estimate |
| Mexico | 4% | MX$4.00 | 4% | 28 Jun 2023 | Estimate |
| Netherlands | 4% | €4.00 | 4% | 22 Jan 2022 | Estimate |
| Philippines | 4% | ₱4.00 | 4% | 15 Aug 2022 | Estimate |
| Poland | 4% | PLN 4.00 | 4% | 6 Jun 2024 | Estimate |
| Singapore | 4% | SGD 4.00 | 4% | 2 Jan 2023 | Estimate |
| South Africa | 4% | ZAR 4.00 | 4% | 3 Mar 2025 | Estimate |
| Spain | 4% | €4.00 | 4% | 26 Mar 2024 | Estimate |
| Türkiye | 4% | TRY 4.00 | 4% | 20 Jun 2023 | Estimate |
| United Arab Emirates | 4% | AED 4.00 | 4% | 6 Apr 2024 | Estimate |
| United Kingdom | 4% | £4.00 | 4% | 2 Jul 2022 | Estimate |
| United States | 4% | $4.00 | 4% | 11 May 2022 | Estimate |