PayPal Fees in Canada (2026)
By Selling Fee Tools team ·
PayPal charges Canadian business accounts by payment type, where the buyer is and the currency received. This guide lists every rate from PayPal’s Canadian Merchant Fees page (last updated by PayPal on 13 October 2026), checked in October 2026.
Rates for payments in Canadian dollars
| Payment type | Rate | Canadian buyer | US buyer | Elsewhere |
|---|---|---|---|---|
| Commercial transactions: PayPal Checkout, goods and services | 2.9% + C$0.30 | C$3.20 | C$4.00 | C$4.20 |
| PayPal Pay Later | 4.9% + C$0.30 | C$5.20 | C$6.00 | C$6.20 |
Fees shown on a C$100 payment. Buyers in the US add 0.8%; buyers anywhere else add 1%.
QR codes
- C$10.01 and above: 1.90% + C$0.10. A C$20 payment costs C$0.48.
- C$10.00 and below: 2.40% + C$0.05. A C$8 payment costs C$0.24.
Fixed fees and conversion
- The fixed fee follows the currency you receive: C$0.30 in Canadian dollars, US$0.30 in US dollars, €0.35 in euros, £0.30 in pounds, from a table of 24 currencies.
- When PayPal converts a payment you received in another currency, its rate is at least 4% above the base exchange rate; other conversions are at least 3%. A US buyer paying US$100 leaves US$96.00 after fees, and converting it costs another US$3.84.
What to charge
To receive exactly C$100 from a Canadian buyer, ask for C$103.30. Check the rules that apply to you before adding a surcharge for paying by PayPal.
Work out your own numbers
- PayPal Canada fee calculator, with buyer region, currency, conversion and what to charge
- PayPal fees by country
- Shopify Canada fee calculator for Shopify Payments rates
Source: PayPal Canada Merchant Fees page, listed on the calculator and on our methodology page.