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Australia fees checked Oct 12, 2026
PayPal Fee Calculator Australia
Enter an amount to see PayPal's fee and what lands in your account, or flip the calculator around to find what to charge so you receive an exact amount. Uses PayPal's current Australian rates for every payment type.
PayPal charges Australian sellers 2.60% + $0.30 per domestic commercial transaction in 2026, so a $100 sale costs $2.90 and you keep $97.10. Buyers outside Australia add a 1.00% surcharge, and converting currency costs 3%. This calculator covers every payment type, with a reverse mode that tells you exactly what to charge to receive a target amount.
-buyer pays
-PayPal fees
-you receive
-effective fee rate
How PayPal fees work in Australia in 2026
Australian sellers pay a flat 2.60% + $0.30 on domestic commercial transactions. That single rate covers PayPal Checkout, card payments and goods-and-services payments alike. Two payment types have their own rates. Advanced credit and debit card payments cost 1.75% + $0.30. QR code transactions cost just 1.20% with no fixed fee, the cheapest PayPal rate in Australia. Virtual terminal payments (keyed-in card payments) cost 3.60% + $0.30.
International sales add a 1.00% surcharge on top of the domestic rate. If you then convert the money into Australian dollars from another currency, PayPal applies a 3% conversion fee. Approved charities pay only 1.10% + $0.30 on donations and commercial payments.
The formulas
- Fee = amount × rate + fixed fee, where rate = 2.60% domestic (+1.00% if international).
- You receive = amount − fee (− 3% of what is left if you convert currency).
- Amount to charge to receive a target = (target + $0.30) ÷ (1 − rate). This is why you cannot simply add 2.6% to your price: the fee is also charged on the extra you add.
Worked examples
An Australian customer pays $100. The fee is $100 × 2.60% + $0.30 = $2.90, so you receive $97.10. If the same buyer is in the US, the rate becomes 3.60% and the fee rises to $3.90.
To receive exactly $100, charge ($100 + $0.30) ÷ (1 − 0.026) = $102.98. PayPal keeps $2.98 and you get $100.00.
A $20 sale paid by QR code costs just $20 × 1.20% = $0.24 with no fixed fee, the cheapest way to take an in-person payment in Australia.
Ways to pay less
If most of your sales are under about $10, apply for micropayments pricing at 5% + $0.05. Take in-person payments by QR code at 1.20% with no fixed fee instead of keying cards into a virtual terminal at 3.60% + $0.30. Receiving in Australian dollars avoids the 3% conversion fee, and approved charities should register for the 1.10% + $0.30 charity rate.
PayPal fee calculators for other countries
PayPal fees differ by country. Work out the fee where your account is based: /paypal-fee-calculator/ (US, USD), /paypal-fee-calculator-uk/ (UK, GBP), /paypal-fee-calculator-canada/ (Canada, CAD).
Limitations
Rates are PayPal's standard published Australian merchant rates. Businesses on negotiated pricing pay less. Chargebacks ($15), and fees kept on refunds are not included. This tool covers Australian accounts only.
Sources
PayPal merchant fees (Australia), checked October 12, 2026.
Planning estimate only. Results use the list prices shown and may differ from your actual bill. Terms
Frequently asked questions
How much is the PayPal fee on $100 in Australia?
$2.90 on a domestic commercial transaction (2.60% + $0.30), so you receive $97.10. Advanced card payments cost $2.05 on the same sale.
What is the PayPal percentage fee in Australia?
2.60% + a $0.30 fixed fee per domestic commercial transaction. That single rate covers checkout, card and goods-and-services payments in 2026.
How much does PayPal take from an Australian sale?
On a $50 Australian sale, $1.60 (2.60% + $0.30), leaving $48.40. The effective rate falls as the sale gets bigger, because the $0.30 fixed fee matters less.
What is PayPal's international fee in Australia?
An extra 1.00% on top of the 2.60% + $0.30 domestic rate. So a $100 sale to a US buyer costs $3.90 in fees.
How much does PayPal charge for currency conversion in Australia?
3% on most transactions involving a currency conversion, including when you receive a payment in another currency.
Are PayPal friends-and-family payments free in Australia?
Personal payments between friends and family funded by a PayPal balance or bank account are generally free in Australia, but they must not be used for sales: they carry no purchase protection and misusing them breaks PayPal's terms.
What is PayPal's micropayments fee in Australia?
5% + $0.05 per domestic transaction for accounts approved for micropayments pricing. It wins when most of your sales are under about $10.
What is the PayPal QR code fee in Australia?
Just 1.20% with no fixed fee, the cheapest PayPal rate in Australia. On a $20 in-person sale the fee is only $0.24.
How do I add PayPal fees to an invoice in Australia?
Use the 'find what to charge' mode: (target + $0.30) ÷ (1 − rate). Check the card network rules before passing fees on to customers.
What is PayPal's chargeback fee in Australia?
$15 per chargeback on card transactions.
Does PayPal refund its fee if I refund the buyer?
No. If you refund a commercial transaction there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.
What rate do charities pay on PayPal in Australia?
Approved charities pay 1.10% + $0.30 on donations and commercial payments received into their PayPal account.