PayPal Fee Calculator Canada

This calculator shows what PayPal keeps from a commercial payment received into a Canadian PayPal account. PayPal Canada charges 2.90% plus a fixed fee of C$0.30 for domestic commercial transactions: selling goods or services, invoices and requested payments. International payments add a percentage that depends on the sender. A sender in the US adds 0.80 percentage points, so the fee is 3.70% + C$0.30, and a sender anywhere else adds 1.00 points, for 3.90% + C$0.30. PayPal Pay Later purchases cost 4.9% plus the fixed fee. QR code payments cost 1.90% plus the fixed fee above C$10, or 2.40% plus the fixed fee at C$10 and below. The rates come from PayPal Canada's merchant fees page, last updated 4 November 2026, and were checked on 11 November 2026.

PayPal Canada's rates

fee = 2.90% × amount + C$0.30  (+ 0.80% from the US, or + 1.00% from other countries)
net = amount − fee

PayPal counts a transaction as international when sender and receiver are registered with, or identified by PayPal as residents of, different markets. A US buyer with a US PayPal account pays you at 3.70% + C$0.30 even if you ship to a Canadian address.

Worked examples

The fixed C$0.30 makes small payments relatively expensive: on C$20 the effective rate is 4.4%, while on C$100 it is 3.2%. If most of your sales are small, consider bundling items or a minimum order.

Pricing to receive a round amount

amount to request = (amount you want + C$0.30) ÷ (1 − rate)
C$50 net, domestic: 50.30 ÷ 0.971 = C$51.80
C$50 net, from the US: 50.30 ÷ 0.963 = C$52.23
C$50 net, other countries: 50.30 ÷ 0.961 = C$52.34

Type the profit you want into the target field and the calculator does this arithmetic for you, including your item and postage costs.

A full walk-through with costs

Say you sell a C$60 vintage lamp through Facebook Marketplace to a buyer in Calgary who pays C$15 for shipping by PayPal invoice. You paid C$20 for the lamp and C$14 for the parcel. The buyer pays C$75. PayPal takes 2.90% of C$75 plus C$0.30, which is C$2.48, so C$72.52 arrives in your account and your profit after the lamp and the parcel is C$38.52. If the same buyer had a US PayPal account, the fee would be C$3.08 and the profit C$37.92.

Pay Later and QR code payments

If your buyer chooses a PayPal Pay Later option, you pay 4.9% plus the fixed fee instead of 2.90%. On a C$200 order that is C$10.10 instead of C$6.10, so it is worth knowing before you enable Pay Later messaging on your site. QR code payments, used at markets and pop-up shops, are cheaper above C$10 at 1.90% plus the fixed fee; at C$10 and below the rate is 2.40% plus the fixed fee. The calculator uses the standard commercial rate, so adjust mentally if most of your sales come through these channels.

Before you send a PayPal invoice

• Check where the buyer's PayPal account is registered and price in the 0.80% or 1.00% international fee.
• Include shipping in the invoice total; PayPal's percentage applies to the whole payment.
• Decide whether to absorb the fee or build it into your price; the target field shows the price that keeps your profit.

Sales tax and PayPal

PayPal's fee applies to whatever amount the buyer sends, so if you are registered for GST/HST and add tax to your invoice, PayPal's percentage also applies to the tax. The calculator treats the amount you enter as the full payment. Small suppliers whose taxable sales are under the CRA's small-supplier threshold generally do not charge GST/HST; check CRA guidance for your situation.

Other PayPal charges

• Chargeback fee: C$20.00 for card chargebacks, based on the currency received.
• Currency conversion: PayPal Canada's table lists a minimum rate of 4.00% for Canadian dollar conversions on payments received in another currency.
• Donations and charity transactions have their own rate tables.

When PayPal is the right tool

Use PayPal for sales you arrange yourself, such as a website checkout, Facebook Marketplace, Kijiji, an Instagram shop or an invoice to a client. On eBay.ca and Etsy, payments are processed by the marketplace and included in its fees, so use those calculators. Poshmark Canada also handles payment itself as part of its 20% fee.

How to use this calculator

1. Enter the amount. Type what the buyer pays, in CAD.
2. Choose where the buyer is. Canada, the US (+0.80%) or another country (+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 amount to request.

Frequently asked questions

Sources and updates

• PayPal Canada — Merchant fees, checked 2026-11-11.