PayPal Fee Calculator Canada (2026 Updated Rates)
PayPal Canada charges 2.9% + C$0.30 on domestic commercial transactions, with a 1.5% surcharge on cross-border payments and the usual 3-4% FX spread.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| PayPal (this page) | $3.20 | $96.80 | baseline | |
| Wise | $0.93 | $99.07 | +$2.27 More 🟢 | PK → |
| Stripe | $3.20 | $96.80 | +$0.00 More 🟢 | PK → |
| Square | $3.20 | $96.80 | +$0.00 More 🟢 | PK → |
| Lemon Squeezy | $5.50 | $94.50 | −$2.30 Less 🔻 | PK → |
| Paddle | $5.50 | $94.50 | −$2.30 Less 🔻 | PK → |
| Gumroad | $13.70 | $86.30 | −$10.50 Less 🔻 | PK → |
PayPal fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.9% | $10.61 |
| $25.00 | $1.03 | $23.97 | 4.1% | $26.06 |
| $50.00 | $1.75 | $48.25 | 3.5% | $51.81 |
| $100.00 | $3.20 | $96.80 | 3.2% | $103.30 |
| $250.00 | $7.55 | $242.45 | 3.0% | $257.78 |
| $500.00 | $14.80 | $485.20 | 3.0% | $515.25 |
| $1,000.00 | $29.30 | $970.70 | 2.9% | $1,030.18 |
PayPal fee formula & hidden costs
payment processing 2.90% + C$0.30
Worked example: $100.00 gross → $3.20 fees → $96.80 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $103.30.
Hidden fees to watch
- Cross-border commercial payments add +1.5% on top of the domestic rate.
- PayPal currency conversion applies a 3-4% markup over the wholesale exchange rate.
- On refunds PayPal returns the percentage portion but keeps the $0.49 fixed fee.
- Chargeback fees run $8-$20 per dispute on top of losing the sale.
- Instant transfers to a bank or card cost 1.75% (min $0.25, max $25).
Fee change history
How to pay less in PayPal fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Payoneer — Cross-border payouts and multi-currency receiving accounts.
Frequently asked questions
What is the PayPal fee on a C$100 sale in Canada (C$)?
On a $100.00 sale, PayPal deducts $3.20 total fees, leaving $96.80 — an effective take rate of 3.2%.
How much should I charge to receive exactly C$100 after PayPal fees?
Charge $103.30: the $3.31 fee leaves exactly $100.00 net. Use the reverse tab above for any target.
What is the PayPal fee formula in Canada (C$)?
payment processing 2.90% + C$0.30. 2.9% + C$0.30 Goods & Services. All figures verified 2026-11-10 against the official pricing page.
Does PayPal refund fees when a buyer is refunded?
Partly — PayPal returns the percentage portion but keeps $0.49 per refunded transaction.