PayPal Fee Calculator Australia

This calculator shows what PayPal keeps from a commercial payment received into an Australian PayPal account. PayPal Australia charges 2.90% plus a fixed fee of A$0.30 for domestic commercial transactions, which covers selling goods or services, requesting money and invoices. A payment from a sender in another market adds 1.00 percentage point, so an international sale costs 3.90% + A$0.30. QR code transactions cost 1.20%. The rates come from PayPal Australia's merchant fees page, last updated 13 October 2026, and were checked on 11 November 2026. Use this calculator for sales through your own website, social media, marketplaces such as Gumtree and invoices; eBay and Etsy handle their own payments.

PayPal Australia's rates

fee = 2.90% × amount + A$0.30  (+ 1.00% × amount if the sender is in another market)
net = amount − fee

PayPal defines an international transaction as one where sender and receiver are registered with, or identified by PayPal as residents of, different markets. What counts is the buyer's PayPal account, not the delivery address.

Worked examples

The A$0.30 fixed fee is 6% of a A$5 payment but only 0.06% of A$500. If you sell many small digital items, PayPal's micropayment rate (5% + A$0.05, by application and pre-approval) is cheaper below about A$11.90. That rate is not in the calculator, because it needs PayPal's approval and replaces the standard rate on your payments.

The two rates cross at about A$11.90: below that the micropayment rate wins, above it the standard rate does. A shop that sells A$3 digital downloads and A$40 physical products would need to weigh both before applying.

Pricing to receive a round amount

amount to request = (amount you want + A$0.30) ÷ (1 − rate)
A$50 net, domestic: (50 + 0.30) ÷ 0.971 = A$51.80
A$50 net, international: (50 + 0.30) ÷ 0.961 = A$52.34

Type your target into the calculator and it does the same arithmetic for you, including your item cost.

A full walk-through with costs

Say you sell a A$35 jacket through Instagram, charge A$9 for postage, paid A$12 for the jacket at an op shop and spend A$9 on the parcel. The buyer pays A$44. PayPal takes 2.90% of A$44 plus A$0.30, which is A$1.58, so A$42.42 lands in your account. After the jacket and the postage you have made A$21.42. If the same buyer had a New Zealand PayPal account, the fee would rise to A$2.02 and the profit would fall to A$20.98. Enter those four numbers in the calculator and it shows the same result, along with your margin and return on the item cost.

Before you send a PayPal invoice

• Check whether the buyer's PayPal account is in Australia; if not, price in the extra 1.00%.
• Include postage in the invoice total; PayPal's percentage applies to the whole amount, postage included.
• Decide whether you want to absorb the fee or pass it on in your price. The target field shows the price that leaves your chosen profit.
• If you are GST-registered, issue a tax invoice that shows the GST amount.

GST and PayPal

The calculator does not add GST to PayPal's fee; it uses the rates exactly as PayPal Australia publishes them. If you are registered for GST, one-eleventh of your GST-inclusive domestic sale price is GST you owe the ATO. Turn on the GST switch to deduct it. Under ATO rules registration becomes compulsory at A$75,000 GST turnover, so most casual sellers leave the switch off.

Other PayPal charges

• Currency conversion: 3.0% for most conversions, and 4.0% for some, such as paying in a currency other than the listed one or receiving a refund more than a day after the original payment.
• Chargeback fee: A$15.00 for card chargebacks, unless the transaction is eligible for PayPal Seller Protection.
• Donations and charity transactions have their own rate tables.

When PayPal is the right tool

PayPal works best for sales you arrange yourself: a website checkout, an Instagram or Facebook sale, a Gumtree buyer who wants buyer protection, or an invoice to a client. On eBay Australia, payments are processed by eBay and covered by its fees, and on Etsy by Etsy Payments, so use those calculators instead. For a domestic sale, PayPal's 2.90% + A$0.30 sits between Depop's 2.6% + A$0.30 processing and Etsy's combined fees.

How to use this calculator

1. Enter the amount. Type what the buyer pays, in AUD.
2. Choose domestic or international. International senders add 1.00%.
3. Add costs. Item and postage costs turn the net amount into profit.
4. Or set a target. Enter the profit you want to get the price to request.

Frequently asked questions

Sources and updates

• PayPal Australia — Merchant fees, checked 2026-11-11.
• ATO — Registering for GST, checked 2026-11-11.