PayPal Merchant Fees

Relevant Market/Region

Rates published below apply to PayPal accounts of residents of the following market/region:

Market/Region list

United States (US)

Commercial Transaction Rates

When you accept the User Agreement to buy or sell goods or services or make any other commercial type of transaction, we call that a “commercial transaction”.

Buying, Selling, and Transferring Cryptocurrencies

Bill Pay for Business Accounts Transaction Rates

When you use the Bill Pay for Business Accounts service to send funds to your Payees, we call that a “Bill Pay for Business Accounts Transaction”.

Receiving and Sending Donations

When you accept the User Agreement 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.

Charity Transaction Rates

Charity transaction rates are subject to eligibility, application, and pre-approval by PayPal, as further described in the Confirmed Charity Terms and Conditions. Once approved by PayPal, these rates will apply to certain payment types that are subject to the User Agreement.

Alternative Payment Method Rates

Depending on the offering, alternative payment methods (APMs) may be made available as Payment Types for your customers.

For a complete listing of the APMs that may be available, please see the APM agreement. You must accept the terms of the APM agreement before receiving APM payments.

Pay With Crypto

When you enable the option to allow your customers to pay in cryptocurrency, we call that “pay with crypto.”

PayPal Online Payment Services

Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of the PayPal Online Payment Services Agreement. These rates will apply to the following payment types received using PayPal Online Payment Services.

Capitalized terms in this section are defined in the PayPal Online Payment Services Agreement.

Payflow Pro (Payment Gateway)

Payflow Pro gives you the flexibility to design a checkout page that matches your site’s branding, and Payflow Link comes with a pre-built checkout template you embed right into your checkout page. With either, your customers can pay by credit card without leaving your site. For more information, please refer to the Payflow Gateway Services Agreement.

PayPal Point of Sale Rates

Use of PayPal Point of Sale is subject to eligibility, application, approval by PayPal and your acceptance of the PayPal Point of Sale Terms and Conditions. These rates will apply to the following payment types received using PayPal Point of Sale.

PayPal Payouts

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.

Hyperwallet

Hyperwallet allows you to easily send payments to multiple recipients at once. We typically charge you a fee for each payment you send using Hyperwallet, though in some cases, recurring fees may be charged (depending on the applicable Hyperwallet services). The fee is based on the type of payment and currency in which it is sent (depending on the applicable Hyperwallet services). The fee is based on the type of payment and currency in which it is sent.

Micropayments

When you accept the User Agreement, you may apply to receive Micropayments pricing for certain lower value transactions processed through your PayPal account. The rate below applies to both Dynamic and Static Micropayments.

Chargeback Fees

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).

For Chargeback Protection Services applicable to PayPal’s Card Payment Services, please see the PayPal Online Payment Services Agreement.

The chargeback fee is based on the currency received as follows:

Dispute Fees

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.

Currency Conversions

For any of the following types of transactions involving a currency conversion by PayPal, the transaction exchange rate will also include a currency conversion spread.

E-check Fees

Sometimes the sender of a payment you receive may use an E-check 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 E-check. When you receive an E-check 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):

Withdrawal Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible cards. A currency conversion (and currency conversion spread) may also apply.

Other Merchant Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.