The short answer: PayPal Canada charges 2.9% + $0.30 on a domestic sale, whether the buyer pays with PayPal, a card or an invoice. PayPal Canada publishes no separate, lower rate for personal goods-and-services payments. A US buyer adds 0.8%, other countries 1%. On a $100 payment from a Canadian buyer you receive $96.80; to receive a full $100, ask for $103.30.
Seller fee calculator
You receive
$96.80
Fees $3.20, which is 3.2% of the $100.00 sale ($3.20 ÷ $100.00)
PayPal charges on the full payment, including any shipping and tax you collect. Refunds do not return the fee.
Buyer location and currency
Fees verified Oct 20, 2026 from each platform's own fee pages. Each line links to its source.
PayPal Canada rates by payment type
| How the buyer pays | Rate | Fixed fee | International buyer |
|---|---|---|---|
| Checkout, cards and invoices (commercial rate) | 2.9% | $0.30 | +0.8% US buyers, +1% other countries |
| Pay Later | 4.9% | $0.30 | +0.8% US buyers, +1% other countries |
| QR code (over $10.00) | 1.9% | $0.10 | +0.8% US buyers, +1% other countries |
| QR code ($10.00 or less) | 2.4% | $0.05 | +0.8% US buyers, +1% other countries |
| Advanced card payments (on approval) | 2.7% | $0.30 | 3.5% for US buyers, 3.7% for other countries instead |
QR code payments are priced by size: 1.9% + $0.10 above $10, and a different rate at $10 or less (both in the table). Advanced card payments need PayPal’s approval and replace the domestic rate with their own rate for US and overseas buyers instead of adding a percentage.
US and overseas buyers
| Buyer in | PayPal fee | You receive | To receive $100, ask for |
|---|---|---|---|
| Canada | $3.20 | $96.80 | $103.30 |
| The US | $4.00 | $96.00 | $104.16 |
| Other countries | $4.20 | $95.80 | $104.38 |
Getting paid in US dollars
If a US buyer pays you in US dollars and PayPal converts the money to Canadian dollars, PayPal builds a 4% spread into the exchange rate on commercial transactions. You don’t see it as a fee, only as fewer dollars. On a $100 payment from a US buyer that is converted, the fees and spread together come to $8.00. The fixed fee also follows the currency you receive:
| Fee | Amount | When it applies |
|---|---|---|
| Fixed fee per commercial transaction, received in CAD | $0.30 | |
| Fixed fee per commercial transaction, received in USD (CA account) | $0.30 USD | |
| Fixed fee for QR code 10.01 CAD and above | $0.10 | |
| Fixed fee for QR code 10.00 CAD and below | $0.05 |
What to charge to receive a set amount
PayPal takes its percentage from the whole payment, including the part you added to cover the fee. The right price is (amount you want + fixed fee) ÷ (1 − rate). For a Canadian buyer: $50 needs $51.81, $100 needs $103.30 and $500 needs $515.25. The calculator’s “I want to receive” button works this out for any method and buyer.
Refunds, disputes and payouts
| Fee | Amount | When it applies |
|---|---|---|
| Chargeback fee (card transactions not via PayPal account or guest checkout) | $20.00 | |
| Standard Dispute Fee | $20.00 | |
| High Volume Dispute Fee | $40.00 | |
| Refunds: fees not returned | Rule | |
| Withdrawal to local bank account | Free | |
| Instant transfer to eligible debit card (business) | 1.5%, min $0.50 | limits 5000 CAD per transaction/day/week, 15000 CAD per month |
| Inactive PayPal Account fee | $20.00 | lesser of fee or remaining balance |
PayPal keeps its fee when you refund a buyer. PayPal Canada also lists an inactive account fee, charged as the lesser of the fee or your remaining balance.
PayPal brings you no buyers; it only takes the payment. To weigh it against a marketplace or a full store, compare the same sale on every platform or see your own online store’s cost per order.
Honest Fees is independent and not affiliated with PayPal. Go to the official site.
Common questions
What are PayPal fees in Canada?
For selling, 2.9% + $0.30 per domestic payment. Pay Later costs more, QR codes less. A US buyer adds 0.8% and buyers in other countries add 1%. On a $100 payment from a Canadian buyer you receive $96.80.
Is there a goods and services fee on PayPal in Canada?
PayPal Canada does not publish a separate goods-and-services rate for personal accounts. Its consumer fee page sends sellers to the merchant fee page, where the commercial rate is 2.9% + $0.30.
How much does PayPal charge to receive money from the US?
The domestic 2.9% + $0.30 plus 0.8% for a US buyer. If PayPal also converts US dollars to Canadian dollars, a 4% spread is built into the exchange rate.
How do I work out what to charge on PayPal in Canada?
Add the fixed fee to the amount you want and divide by one minus the rate. To receive $100 from a Canadian buyer: ($100 + $0.30) ÷ (1 − 0.028999999999999998) = $103.30.
Get told when these prices change
Providers change fees with little notice. We email you what changed when a price here does, and nothing else.