PayPal · Processing fees
What are PayPal's fees in Australia?
Checked
PayPal charges businesses in Australia 2.9% + A$0.30 for each domestic PayPal payment. Cards typed into your own checkout through PayPal card processing cost 1.5% + A$0.30. Payments from abroad add 1% from outside Australia. Converting currency costs 3% above the base exchange rate, and a card chargeback costs A$15.00. Read from PayPal's Australia fee page, checked 31 October 2026.
- PayPal checkout
- 2.9% + A$0.30 per domestic payment
- Domestic card
- 1.5% + A$0.30 (PayPal card processing in your own checkout)
- International card
- Add 1% from outside Australia
- Currency conversion
- 3% above the base exchange rate
- Disputes fee
- A$15.00 per card chargeback
What PlatformDTC does
PlatformDTC connects your own PayPal business account in Australia: the PayPal button at checkout, and PayPal card processing for cards typed into your checkout. PlatformDTC adds no fee to those sales, so the A$10,000 month above costs the same A$350.00 on PlatformDTC, with no plan fee. PayPal card processing can also act as the backup when a card is declined on PlatformDTC Payments or your own Stripe account.
Every rate
Every rate below is copied from PayPal's fee page for Australia, read on 31 October 2026. Each percentage is charged on the full payment, and the fixed fee of A$0.30 is added to each payment received in Australian dollars. Payments in other currencies carry that currency's own fixed fee from PayPal's table.
| Fee | Rate | When it applies |
|---|---|---|
| PayPal payment (commercial transactions) | 2.9% + A$0.30 | The shopper pays with PayPal and the money comes from your own country. |
| Card processing in your own checkout | 1.5% + A$0.30 | Visa, Mastercard and similar cards typed into the card form on your own checkout (PayPal Advanced Credit and Debit Card Payments). |
| International payment, sender in outside Australia | +1% | Added to the domestic percentage when the payer's PayPal account or card is from abroad. |
| Currency conversion | 3% above the base exchange rate | PayPal converts a payment or balance into another currency. |
| Card chargeback fee | A$15.00 | A card payment made outside a PayPal account or guest checkout is charged back by the card's bank. |
A worked month
Assumption: an average order of A$50.00, every payment in Australian dollars, no refunds or disputes.
A$10,000.00 of sales in 200 domestic PayPal payments: 2.9% of A$10,000.00 = A$290.00; 200 × A$0.30 = A$60.00; total A$350.00 (3.50% of sales).
A$50,000.00 of sales in 1,000 domestic PayPal payments: 2.9% of A$50,000.00 = A$1,450.00; 1,000 × A$0.30 = A$300.00; total A$1,750.00 (3.50% of sales).
The table adds the same months with a fifth of sales coming from outside Australia, where PayPal adds 1% to the percentage on those payments only.
| Month | Mix | PayPal fees | Share of sales |
|---|---|---|---|
| A$10,000 in 200 payments | All domestic PayPal payments | A$350.00 | 3.50% |
| A$10,000 in 200 payments | 80% domestic, 20% from outside Australia (+1%) | A$370.00 | 3.70% |
| A$10,000 in 200 payments | All domestic cards through PayPal card processing | A$210.00 | 2.10% |
| A$50,000 in 1,000 payments | All domestic PayPal payments | A$1,750.00 | 3.50% |
| A$50,000 in 1,000 payments | 80% domestic, 20% from outside Australia (+1%) | A$1,850.00 | 3.70% |
| A$50,000 in 1,000 payments | All domestic cards through PayPal card processing | A$1,050.00 | 2.10% |
What raises your fees
The headline 2.9% + A$0.30 is the floor for a domestic PayPal payment in Australia. These push the real cost up:
- Payments from abroad: 1% from outside Australia.
- Currency conversion: 3% above the base exchange rate whenever PayPal converts the money.
- Card chargebacks: A$15.00 each.
- Small orders: the fixed A$0.30 weighs more on a small basket than on a large one.
For developers
The fee PayPal took on each payment is returned on the capture in the Orders API (seller_receivable_breakdown.paypal_fee), so you can reconcile real fees against this page.
Frequently asked questions
- Does PayPal charge a monthly fee in Australia?
- The only monthly fee on PayPal's Australian page is for Website Payments Pro, A$25.00 a month including GST. For PayPal checkout payments you pay per payment received: 2.9% + A$0.30 on a domestic payment, plus the international and conversion fees when they apply.
- How much does PayPal charge for international payments in Australia?
- PayPal adds 1% from outside Australia to the domestic percentage, and 3% above the base exchange rate if the money has to be converted. On a A$50.00 payment from outside Australia that is A$2.25, against A$1.75 for a domestic one.
- What does a PayPal dispute cost in Australia?
- A chargeback on a card payment processed outside a PayPal account costs A$15.00.
Sources
Related
- Germany — 2.99% + €0.39 per domestic PayPal payment; 2.99% + €0.39 for cards via PayPal card processing
- France — 2.9% + €0.35 per domestic PayPal payment; 1.2% + €0.35 for cards via PayPal card processing
- Spain — 2.9% + €0.35 per domestic PayPal payment; 1.2% + €0.35 for cards via PayPal card processing
- Italy — 3.4% + €0.35 per domestic PayPal payment; 1.2% + €0.35 for cards via PayPal card processing
- Netherlands — 3.4% + €0.35 per domestic PayPal payment; 1.8% + €0.35 for cards via PayPal card processing
- Ireland — 3.4% + €0.35 per domestic PayPal payment; 1.2% + €0.35 for cards via PayPal card processing