PayPal Canada Fee Calculator
Quickly calculate your PayPal Canada fees and see your net earnings instantly.
Last Updated: Apr 12, 2025
Understanding PayPal Canada Fees
PayPal is a widely used payment platform in Canada, but understanding its fee structure can be tricky. This section breaks down the fees for both consumers and merchants, so you can easily calculate and understand the costs associated with using PayPal in Canada.
PayPal Consumer Fees in Canada
PayPal charges different fees depending on the type of transaction, whether it’s domestic or international, and the payment method used. Below is a breakdown of the most common consumer fees:
Buying with PayPal
Using PayPal to donate or make purchases is free, except when currency conversion applies.
| Transaction Type | Fee |
|---|---|
| Purchases | No Fee (Currency conversion fees apply) |
Receiving Donations
Donations received through PayPal are subject to specific fees. International donations incur additional charges.
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Donations | 2.90% + fixed fee | Additional 0.80% (US) or 1.00% (other markets) |
Sending Money
Personal transactions (sending money to friends and family) have different fees depending on the payment method and whether the transaction is domestic or international.
| Market/Region | Transaction Type | Fee |
|---|---|---|
| Domestic | PayPal balance or bank account | No fee |
| Cards | 2.90% + fixed fee | |
| Europe I, Europe II, Northern Europe, & United States | PayPal balance or bank account | 2.99 CAD |
| Cards | 2.99 CAD + 2.90% + fixed fee | |
| Rest of the World | PayPal balance or bank account | 4.99 CAD |
| Cards | 4.99 CAD + 2.90% + fixed fee |
Currency Conversions
PayPal charges a minimum fee of 3.00% for currency conversions.
Withdrawals Out of PayPal
Withdrawing funds to a bank account is free unless currency conversion is involved. Instant transfers incur additional fees.
| Withdrawal Type | Fee |
|---|---|
| Local Bank Account | No Fee |
| Instant Transfer (Eligible Debit Card) | 1.75% of amount transferred |
For more details on personal fixed fees and additional charges, visit: PayPal Canada’s Consumer Official Fees Page
PayPal Merchant Fees in Canada
Merchants using PayPal to receive payments are subject to different fees based on the type of transaction, whether it’s domestic or international, and the payment method used. Below is a detailed breakdown of PayPal’s merchant fees in Canada:
Commercial Transactions and Receiving Donations
PayPal charges standard rates for domestic and international commercial transactions and donations. QR code transactions have tiered fees depending on the transaction amount. International transactions incur additional fees based on the sender’s region.
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Commercial Transactions | 2.90% + fixed fee | Additional 0.80% (US) or 1.00% (other markets) |
| QR Code Transactions (10.01 CAD and above) | 1.90% + fixed fee | |
| QR Code Transactions (10.00 CAD and below) | 2.40% + fixed fee | |
| Donations | 2.90% + fixed fee |
Charity Transactions
Approved charities benefit from lower transaction fees. These rates apply to both domestic and international charity transactions.
| Transaction Type | Domestic + US Fee | International Fee |
|---|---|---|
| Charity Transactions | 1.60% + fixed fee | 2.60% + fixed fee |
Micropayments
Micropayments are ideal for businesses processing transactions under 12.00 CAD. These rates require pre-approval from PayPal.
| Transaction Type | Domestic + US Fee | International Fee |
|---|---|---|
| Micropayments | 5.0% + fixed fee | 6.0% + fixed fee |
Withdrawals Out of PayPal
Withdrawing funds to a bank account is free unless currency conversion is involved. Instant transfers incur additional fees.
| Withdrawal Type | Fee |
|---|---|
| Local Bank Account | No Fee |
| Instant Transfer (Eligible Debit Card) | 1.50% of amount transferred |
For more details on business fixed fees and additional charges, visit: PayPal Canada’s Merchant Official Fees Page
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