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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.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a €100.00 payment for comparison.
| 3.49% + R$2.52 |
| R$6.01 |
| 6.01% |
| 29 Jan 2024 |
| Estimate |
 Canada | 2.9% + CA$0.30 | CA$3.20 | 3.20% | 8 Sept 2021 | Estimate |
 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 |
Every recorded change, newest first, with the movement from the rate it replaced.
Rate card simplified across tiers.
Repriced following competitive pressure in the market.
In Italy, on the online channel: 3.4% + €0.35, in force since 11 Sept 2024 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 23 markets here: Australia, Brazil, Canada, France, Germany, Hong Kong, India, Ireland, Israel, Italy, and others. A market missing from the list has not been recorded yet, which does not mean PayPal Commercial transactions is unavailable there.
It is recorded as instant. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
Australia