PayPal Fee Calculator - Canada
Canada PayPal Fee Rates
| Transaction Type |
Percentage |
Fixed Fee |
| Goods & Services | 2.90% | $0.30 CAD |
| Credit/Debit Card | 2.90% | $0.30 CAD |
| QR Code (≥$10.01 CAD) | 1.90% | $0.10 CAD |
| QR Code (<$10 CAD) | 2.40% | $0.05 CAD |
| Micropayments | 4.99% | $0.11 CAD |
| Charity/Nonprofit | 1.90% | $0.30 CAD |
| International (from US) | +0.80% | - |
| International (other) | +1.00% | - |
Other Canadian PayPal Fees
- Chargeback: $20.00 CAD
- Dispute (Standard): $20.00 CAD
- Currency Conversion: 4.0% above base exchange rate
How to Calculate PayPal Fees in Canada
PayPal Canada fees are calculated using: Fee = (Amount × Percentage Rate) + Fixed Fee
For example, a $100 CAD standard transaction would cost: ($100 × 2.90%) + $0.30 = $3.20 CAD total fee
You would receive: $100 - $3.20 = $96.80 CAD
About This PayPal Fee Calculator Canada
Our PayPal fee calculator for Canada helps you calculate PP fees for any transaction in Canadian Dollars. Perfect for freelancers, small businesses, and online sellers. This PayPal charges calculator uses the latest Canadian rates.
Need to estimate PayPal fees before accepting a payment? This fee calculator for PayPal shows what you'll pay in CAD. Enter your amount and our tool will figure out PayPal fees for your Canadian transactions.
What Can You Calculate?
This calculator covers all PayPal transaction types:
- PayPal seller fees for receiving payments from customers
- PayPal invoice fees when billing clients
- PayPal business fees for commercial transactions
- PayPal transfer fees and withdrawal costs
- PayPal processing fees for different payment methods
- PayPal merchant fees for Canadian businesses
- PayPal donation fees for Canadian charities
PayPal Business Account Fees
Running a business? Understanding your PayPal merchant fees is essential for pricing products correctly. Business accounts pay the same transaction fees as personal accounts, but gain access to invoicing, multi-user access, and detailed reporting. Use this calculator to see your PayPal processing fees before accepting payments.
PayPal Withdrawal and Transfer Fees
Wondering about PayPal withdrawal fees? Transferring money from PayPal to your Canadian bank account is free for standard transfers (3-5 business days). Use this calculator to factor in these PayPal transfer fees when planning your cash flow.
Why Use a PayPal Cost Calculator for Canada?
Knowing your PayPal service fees is important for Canadian businesses. Our PayPal cost calculator helps you:
- Calculate PayPal fees quickly in Canadian Dollars
- Compare standard vs micropayment rates
- Understand cross-border transaction costs with US customers
- Plan pricing for your Canadian customers
PayPal Commission Calculator for Canadian Businesses
This PayPal commission calculator helps Canadian businesses understand their costs. The PayPal rate calculator shows percentage fees and fixed fees in CAD. You can calculate PP fees for any sale.
Use our PayPal service charge calculator to convert amounts in Canadian Dollars. This PayPal price calculator makes it easy to estimate PayPal fees for Canadian transactions.
Canadian PayPal Business Features
PayPal Canada offers several features specifically for Canadian businesses:
- Integration with Canadian banking systems
- Support for Interac e-Transfer
- Multi-currency support (CAD, USD, EUR)
- Canadian customer support in English and French
Frequently Asked Questions - Canada
What are PayPal's current fees in Canada?
PayPal Canada charges 2.90% + $0.30 CAD for most transactions. Micropayments are higher at 4.99% + $0.11 CAD.
Are there international transaction fees?
Yes, international transactions from the US add +0.80%, while transactions from other countries add +1.00% on top of the standard domestic rates.
Do Canadian charities get reduced PayPal rates?
Yes, qualified Canadian charities can get reduced rates of 1.90% + $0.30 CAD for most transaction types.
Can I receive payments in both CAD and USD?
Yes, PayPal Canada supports multi-currency accounts. However, currency conversion fees of 4.0% above the base exchange rate apply when converting between currencies.
What are PayPal seller fees in Canada?
PayPal seller fees in Canada are 2.90% + $0.30 CAD for standard transactions. QR code transactions over $10 CAD are lower at 1.90% + $0.10 CAD.
What is the PayPal invoice fee in Canada?
PayPal invoice fees in Canada are 2.90% + $0.30 CAD for most payment methods. There's no fee to create and send invoices—you only pay when you receive payment.
What are PayPal withdrawal fees in Canada?
PayPal withdrawal fees to Canadian bank accounts are free for standard transfers (3-5 business days). There are no fees for withdrawing CAD to Canadian banks.
What's the best way to minimize fees for Canadian businesses?
Use QR codes for transactions over $10 CAD (1.90%), maintain good customer service to avoid disputes, and consider keeping USD funds if you have US customers to avoid conversion fees.
Complete Guide to PayPal in Canada
Understanding the Canadian Market
PayPal Canada operates in a unique position, serving both domestic Canadian transactions and facilitating significant cross-border trade with the United States. Understanding the fee structure and currency implications is crucial for Canadian businesses.
Cross-Border Trade with the US
Canada-US trade represents one of the world's largest trading relationships:
- US Transactions: Only +0.80% additional fee (vs +1.00% for other countries)
- Currency Strategy: Consider maintaining USD balances for US customers
- USMCA Benefits: Reduced trade barriers support e-commerce growth
- Tax Implications: Foreign exchange gains/losses may affect Canadian taxes
Multi-Currency Account Management
Supported Currencies
- Primary: CAD (Canadian Dollar)
- Secondary: USD, EUR, GBP, AUD
- Strategy: Hold funds in original currency when possible
Currency Conversion Optimization
- Conversion Rate: 4.0% above base exchange rate
- Timing: Convert during favorable exchange rates
- Hedging: Consider keeping funds in multiple currencies
- Bank Comparison: Sometimes better rates available through banks
Canadian Banking Integration
Major Bank Support
- Big Six Banks: RBC, TD, Scotiabank, BMO, CIBC, National Bank
- Credit Unions: Most provincial credit unions supported
- Online Banks: Tangerine, PC Financial, and others
- Withdrawal Time: 3-5 business days typically
Interac e-Transfer Integration
While PayPal doesn't directly support Interac e-Transfer, Canadian businesses can:
- Use PayPal for international transactions
- Offer Interac e-Transfer for domestic customers
- Combine both for comprehensive payment options
Canadian Tax Considerations
GST/HST Implications
- PayPal Fees: Subject to GST/HST where applicable
- Input Tax Credits: Can claim GST/HST paid on PayPal fees
- Provincial Variations: HST rates vary by province
- Registration Threshold: $30,000 CAD for GST/HST registration
Income Tax Reporting
- Business Income: All PayPal receipts are taxable income
- Expense Deduction: PayPal fees are deductible business expenses
- Foreign Exchange: Currency gains/losses may be taxable
- Record Keeping: Maintain detailed transaction records
Provincial Business Considerations
Quebec-Specific Requirements
- Language Laws: Consider French language support
- Consumer Protection: Quebec has unique consumer protection laws
- QST: Quebec Sales Tax in addition to GST
Other Provincial Considerations
- Alberta: No provincial sales tax, GST only
- Ontario: HST at 13%
- Maritime Provinces: HST at 15%
- Western Provinces: GST + PST systems
E-commerce Platform Integration
Canadian-Friendly Platforms
- Shopify: Canadian company, excellent PayPal integration
- WooCommerce: Popular with Canadian developers
- Magento: Enterprise solutions for larger businesses
- BigCommerce: Growing presence in Canada
Competitive Landscape in Canada
Local Competitors
- Moneris: Major Canadian payment processor
- Stripe: 2.9% + $0.30 CAD, strong developer tools
- Square: Popular for small businesses
- Nuvei (formerly Nuvei): Montreal-based global processor
PayPal's Advantages in Canada
- Brand Recognition: High consumer trust
- Buyer Protection: Reduces customer hesitation
- International Reach: Excellent for cross-border sales
- Multi-Currency: Natural fit for Canadian businesses
Dispute Resolution and Consumer Protection
Canadian Consumer Rights
- Chargeback Rights: Protected under Canadian banking regulations
- PayPal Protection: Additional layer beyond bank protections
- Provincial Laws: Consumer protection varies by province
Business Protection Strategies
- Clear Policies: Detailed terms in both English and French (if applicable)
- Shipping Tracking: Essential for physical goods
- Customer Service: Prompt response reduces disputes
- Documentation: Keep detailed transaction records
Growth Strategies for Canadian Businesses
Expanding to the US Market
- Lower Fees: Only +0.80% for US transactions
- Market Size: 10x larger market opportunity
- Currency Advantage: USD strength benefits Canadian exporters
- Logistics: Consider US fulfillment centers
International Expansion
- PayPal Global: Accepted in 200+ countries
- Multi-Currency: Accept payments in local currencies
- Compliance: PayPal handles international regulations
- Risk Management: Built-in fraud protection
PayPal Fee Calculators for Other Countries
Calculate PayPal fees for other regions: