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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 published commercial transaction rate.
In force since 11 Sept 2024
3.75% effective
−4.6% relative · from 3.56%
−10.1% relative · 4 revisions
Online · 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.
11 Sept 2024 → current
7 Nov 2022 → 11 Sept 2024
Rate card simplified across tiers.
30 Oct 2020 → 7 Nov 2022
Repriced following competitive pressure in the market.
Online pricing across every country where this method is available, with the cost on a €100.00 payment for comparison.
1 Jan 2019 → 30 Oct 2020
| France |
| 2.9% + €0.35 |
| €3.25 |
| 3.25% |
| 23 Jan 2024 |
| Estimate |
| Germany | 2.99% + €0.39 | €3.38 | 3.38% | 24 Aug 2025 | Estimate |
| Hong Kong | 3.49% + HK$3.84 | HK$7.33 | 7.33% | 27 Mar 2023 | Estimate |
| India | 3.49% + ₹47.06 | ₹50.55 | 50.55% | 30 Jul 2023 | Estimate |
| Ireland | 3.49% + €0.43 | €3.92 | 3.92% | 11 Jun 2023 | Estimate |
| Israel | 3.49% + ₪1.49 | ₪4.98 | 4.98% | 29 Jun 2025 | Estimate |
| Italy | 3.4% + €0.35 | €3.75 | 3.75% | 11 Sept 2024 | Estimate |
| Japan | 3.49% + ¥77 | ¥80 | 80.49% | 20 Jan 2023 | Estimate |
| Malaysia | 3.49% + MYR 2.00 | MYR 5.49 | 5.49% | 21 Aug 2025 | Estimate |
| Mexico | 3.49% + MX$8.44 | MX$11.93 | 11.93% | 31 Dec 2024 | Estimate |
| Netherlands | 3.49% + €0.43 | €3.92 | 3.92% | 12 Sept 2021 | Estimate |
| Philippines | 3.49% + ₱30.82 | ₱34.31 | 34.31% | 18 Nov 2021 | Estimate |
| Poland | 3.49% + PLN 1.86 | PLN 5.35 | 5.35% | 16 Apr 2022 | Estimate |
| Singapore | 3.49% + SGD 0.63 | SGD 4.12 | 4.12% | 9 Mar 2025 | Estimate |
| South Africa | 3.49% + ZAR 7.97 | ZAR 11.46 | 11.46% | 6 Oct 2022 | Estimate |
| Spain | 2.9% + €0.35 | €3.25 | 3.25% | 1 Jun 2025 | Estimate |
| Türkiye | 3.49% + TRY 23.91 | TRY 27.40 | 27.40% | 30 Jul 2023 | Estimate |
| United Arab Emirates | 3.49% + AED 1.80 | AED 5.29 | 5.29% | 11 Nov 2023 | Estimate |
| United Kingdom | 2.9% + £0.30 | £3.20 | 3.20% | 14 Sept 2024 | Estimate |
| United States | 3.49% + $0.49 | $3.98 | 3.98% | 2 Aug 2021 | Estimate |