Payment split
How the buyer's payment divides between PayPal's fee and what lands in your account.
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Canada Seller & Marketplace Fees
Canada PayPal Fee Calculator
Work out PayPal goods & services fees, the exact amount you receive after fees, and your profit in Canadian dollars. Choose the standard, micropayment or international rate. Updated for 2026 Canadian rates.
You receive after fees
$96.80
Payment amount—
PayPal fee—
Effective fee rate—
Net received—
Profit after item cost—
How PayPal Canada fees work
When you receive a goods and services payment in Canada, PayPal takes a percentage of the amount plus a fixed per-transaction fee. The standard domestic rate is around 2.9% + $0.30. Micropayments (about 5% + $0.05) can be cheaper for very small sales, while international payments add a cross-border fee, so the percentage is higher.
Sending money to friends and family inside the Canada from your balance or bank is normally free; fees apply to card-funded transfers and any commercial payment.
The formula
fee = amount × percentage + fixed fee
net received = amount − fee
to net a target: charge = (target + fixed) ÷ (1 − percentage)
net received = amount − fee
to net a target: charge = (target + fixed) ÷ (1 − percentage)
Worked example
A $100 goods & services payment at 2.9% + $0.30: fee = 100 × 0.029 + 0.30 = $3.20, so you receive $96.80. To net $100, charge (100 + 0.30) ÷ (1 − 0.029) = $103.30.
2026 PayPal Canada rates (typical)
| Payment type | Percentage | Fixed |
|---|---|---|
| Standard (goods & services) | 2.9% | $0.30 |
| Micropayments | 5.0% | $0.05 |
| International (cross-border) | 4.99% | $0.30 |
| Friends & family (balance/bank, Canada) | 0% | $0.00 |
Rates are typical Canadian figures for planning; your exact rate depends on your account type and PayPal's current schedule.
Frequently asked questions
What are PayPal fees in Canada?
Domestic goods & services payments are about 2.9% + $0.30 each; micropayments and international rates differ.
How do I find my net after fees?
Multiply the payment by the percentage, add the fixed fee, and subtract from the payment.
Are friends and family payments free?
Within Canada, yes, when funded by balance or bank; card-funded or commercial payments carry fees.
How do I charge to net a round number?
Use the "amount to charge" mode, which divides your target plus the fixed fee by one minus the percentage.
Does PayPal refund fees on refunds?
PayPal generally returns the percentage fee on refunds but may keep the fixed fee; check current policy.