What is the PayPal fee in Canada?

2.90% plus C$0.30 on a standard commercial payment from a Canadian payer, on PayPal Canada's business fee page updated 4 November 2026. Payments from US payers add 0.80%; payments from any other country add 1.00%.

How much does PayPal take from C$100 in Canada?

C$3.20 from a Canadian payer, leaving C$96.80. From a US payer the rate is 3.70% plus C$0.30, or C$4.00; from elsewhere 3.90% plus C$0.30, or C$4.20.

What does currency conversion cost in Canada?

A minimum of 4.00% for conversions involving CAD, USD or other currencies on personal, commercial and Payouts transactions, and a minimum of 3.00% in all other cases. Quebec residents are charged the minimum rate.

What are the dispute and withdrawal fees?

Chargeback C$20.00; standard dispute C$20.00; high-volume dispute C$40.00. Withdrawals to a Canadian bank are free; instant transfer to an eligible debit card costs 1.50% with a C$0.50 minimum.

PayPal Fee Calculator (Canada)

Canadian business-account rates in Canadian dollars: choose the payment type and the payer's location, enter the amount and see the fee and your net, or enter what you need to keep and get the amount to request.

Rates verified Nov 6, 2026Source: PayPal Canada — Merchant fees (last updated 4 Nov 2026)

The sale

Sale price

Shipping charged to buyer

Tax collected from buyer

Included where the platform puts it in the fee basis

How you were paid

Payer location

Convert to another currency (4%)

Your costs (optional)

Cost of goods

Shipping label you pay

Packaging & other

I want to receive

Solves for the price

What you keep

Net payout

C$96.80

Total fees

C$3.20

3.2% of gross

Profit

C$96.80

Margin on price

96.8%

Fee breakdown
Buyer paid	C$100.00
PayPal fee2.9% of C$100.00 + C$0.30 fixed	−C$3.20
Net payout	C$96.80

How Canadian PayPal fees work

Payment type (Canadian payer)	Fee
Standard commercial payment, including requested money and invoices	2.90% + C$0.30
QR code, C$10.01 and above	1.90% + C$0.10
QR code, C$10.00 and below	2.40% + C$0.05
PayPal Pay Later	4.9% + fixed fee
Charity (pre-approved)	1.60% + C$0.30 (2.60% from non-US international payers)
Micropayments (approved)	5.0% + C$0.05 (6.0% from non-US international payers)
US payer / other international payer	+0.80% / +1.00%

Worked example

A buyer in Texas pays C$120.00 for a hockey jersey. 2.90% plus the 0.80% US surcharge is 3.70% of C$120.00, or C$4.44, plus C$0.30: C$4.74 in fees and C$115.26 received. If the buyer paid in US dollars and you convert, add at least 4.00%.

See also the US, UK and Australia calculators.

Questions sellers ask

What is the PayPal fee in Canada?: 2.90% plus C$0.30 on a standard commercial payment from a Canadian payer, on PayPal Canada's business fee page updated 4 November 2026. Payments from US payers add 0.80%; payments from any other country add 1.00%.
How much does PayPal take from C$100 in Canada?: C$3.20 from a Canadian payer, leaving C$96.80. From a US payer the rate is 3.70% plus C$0.30, or C$4.00; from elsewhere 3.90% plus C$0.30, or C$4.20.
What does currency conversion cost in Canada?: A minimum of 4.00% for conversions involving CAD, USD or other currencies on personal, commercial and Payouts transactions, and a minimum of 3.00% in all other cases. Quebec residents are charged the minimum rate.
What are the dispute and withdrawal fees?: Chargeback C$20.00; standard dispute C$20.00; high-volume dispute C$40.00. Withdrawals to a Canadian bank are free; instant transfer to an eligible debit card costs 1.50% with a C$0.50 minimum.

Related calculators

Sources and verification dates

PayPal Canada — Merchant fees (last updated 4 Nov 2026) — checked Nov 6, 2026, in effect since Nov 4, 2026

Every value on this page is read from the linked official pages on the date shown. If a platform changes a fee, the change log records the old and new values and the effective date.