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Canada fees checked Oct 12, 2026
PayPal Fee Calculator Canada
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 Canadian rates for every payment type.
PayPal charges Canadian sellers 2.90% + $0.30 per domestic commercial transaction in 2026, so a $100 sale costs $3.20 and you keep $96.80. Buyers in the US add a 0.80% surcharge, buyers elsewhere add 1.00%, and converting currency costs 4%. 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 Canada in 2026
Canadian sellers pay a flat 2.90% + $0.30 on domestic commercial transactions. That single rate covers PayPal Checkout, card payments and goods-and-services payments alike: Canada does not split rates by payment method the way the US does. Two payment types have their own rates. PayPal Pay Later costs 4.9% + $0.30. QR code payments at a physical counter cost 1.90% + $0.10 on amounts over CAD 10.01, or 2.40% + $0.05 on CAD 10.00 and under.
International sales add a surcharge on top of the domestic rate: 0.80% when the buyer's account is in the US, 1.00% for buyers anywhere else. If you then convert the money into Canadian dollars from another currency, PayPal applies a conversion rate of 4%.
The formulas
- Fee = amount × rate + fixed fee, where rate = 2.90% domestic (+0.80% US / +1.00% elsewhere if international).
- You receive = amount − fee (− 4% 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 2.9% to your price: the fee is also charged on the extra you add.
Worked examples
A Canadian customer pays $100. The fee is $100 × 2.90% + $0.30 = $3.20, so you receive $96.80. If the same buyer is in the US, the rate becomes 3.70% and the fee rises to $4.00.
To receive exactly $100, charge ($100 + $0.30) ÷ (1 − 0.029) = $103.30. PayPal keeps $3.30 and you get $100.00.
A $7 sale paid by QR code at your counter costs $7 × 2.40% + $0.05 = $0.22, the cheapest way to take a small in-person payment.
Ways to pay less
If most of your sales are under about $12, apply for micropayments pricing at 5% + $0.05. Receiving in Canadian dollars avoids the 4% conversion rate, and QR codes beat the standard rate on small in-person sales. Approved charities pay just 1.60% + $0.30 on donations and commercial payments. For high-volume sellers it is worth asking PayPal about negotiated merchant rates.
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-australia/ (Australia, AUD).
Limitations
Rates are PayPal's standard published Canadian merchant rates. Businesses on negotiated pricing pay less. Chargebacks ($20), and fees kept on refunds are not included. This tool covers Canadian accounts only.
Sources
PayPal merchant fees (Canada), 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 Canada?
$3.20 on a domestic commercial transaction (2.90% + $0.30), so you receive $96.80. PayPal Pay Later costs $5.20 on the same sale.
What is the PayPal percentage fee in Canada?
2.90% + 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 a Canadian sale?
On a $50 Canadian sale, $1.75 (2.90% + $0.30), leaving $48.25. The effective rate falls as the sale gets bigger, because the $0.30 fixed fee matters less.
What is PayPal's international fee in Canada?
An extra 0.80% when the buyer is in the US, or 1.00% for buyers anywhere else, on top of the 2.90% + $0.30 domestic rate. So a $100 sale to a US buyer costs $4.00 in fees.
How much does PayPal charge for currency conversion in Canada?
4% when converting payments between currencies on commercial transactions, personal payments and Payouts.
Are PayPal friends-and-family payments free in Canada?
Personal payments between friends and family funded by a PayPal balance or bank account are generally free in Canada, 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 Canada?
5% + $0.05 per transaction for accounts approved for micropayments pricing. It wins when most of your sales are under about $12.
What is the PayPal QR code fee in Canada?
1.90% + $0.10 on payments over CAD 10.01, or 2.40% + $0.05 on CAD 10.00 and under. On a $7 in-person sale the fee is just $0.22.
How do I add PayPal fees to an invoice in Canada?
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 Canada?
$20 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 Canada?
Approved charities pay 1.60% + $0.30 on donations and commercial payments received into their PayPal account.