PayPal Fees in the UK (2026)
By Selling Fee Tools team ·
PayPal charges UK business accounts by payment type and by where the buyer is. This guide lists every rate from PayPal’s UK Merchant Fees page (last updated by PayPal on 1 October 2026), checked in October 2026.
Rates for payments in pounds
| Payment type | Rate | UK buyer | EEA buyer | Elsewhere |
|---|---|---|---|---|
| PayPal Checkout and other commercial payments | 2.9% + 30p | £3.20 | £4.49 | £5.19 |
| Card payments from buyers without a PayPal account | 1.2% + 30p | £1.50 | £2.79 | £3.49 |
| Buy Now Pay Later | 3.9% + 30p | £4.20 | £5.49 | £6.19 |
Fees shown on a £100 payment. Buyers in the European Economic Area add 1.29%; buyers elsewhere add 1.99%. Payments from Guernsey, Jersey and the Isle of Man count as domestic.
QR codes
- £10.01 and above: 1.5% + 10p. A £20 payment costs 40p.
- £10.00 and below: 2% + 5p. An £8 payment costs 21p.
The tiered plan
PayPal offers a tiered rate on request, based on last month’s eligible sales. It replaces the 2.9% rate for ordinary commercial payments:
- up to £4,000: 2.9% (£3.20 on £100)
- £4,000 to £8,000: 2.4% (£2.70)
- over £8,000: 2.1% (£2.40)
It doesn’t change Pay Later or QR code rates.
Fixed fees and conversion
- The fixed fee follows the currency you receive: 30p in pounds, €0.35 in euros, US$0.30 in US dollars, A$0.30 and C$0.30.
- When PayPal converts money in a business account, its exchange rate is 3% above the base rate. Holding the balance in the received currency avoids it.
What to charge
To receive exactly £100 from a UK buyer, ask for £103.30. Check card scheme rules and the law before adding a surcharge for paying by PayPal.
Work out your own numbers
- PayPal UK fee calculator, with the tiered plan, buyer region, currency and conversion
- PayPal fees by country
- Shopify UK fee calculator for Shopify Payments rates
Source: PayPal UK Merchant Fees page, listed on the calculator and on our methodology page.