Does PayPal charge a monthly fee in Canada?

PayPal lists no monthly fee for its advanced card processing (Advanced Credit and Debit Card Payments); Payments Advanced costs CA$10.00 a month. For PayPal checkout payments you pay per payment received: 2.9% + CA$0.30 on a domestic payment, plus the international and conversion fees when they apply.

How much does PayPal charge for international payments in Canada?

PayPal adds 0.8% from the United States and 1% from all other countries to the domestic percentage, and 4% above the base exchange rate if the money has to be converted. On a CA$50.00 payment from all other countries that is CA$2.25, against CA$1.75 for a domestic one.

What does a PayPal dispute cost in Canada?

PayPal's standard dispute fee in Canada is CA$20.00 per dispute on a payment made through PayPal checkout, rising to CA$40.00 when your account has a high number of disputes. A chargeback on a card payment processed outside a PayPal account costs CA$20.00.

PayPal · Processing fees

What are PayPal's fees in Canada?

Checked October 31, 2026

PayPal charges businesses in Canada 2.9% + CA$0.30 for each domestic PayPal payment. Cards typed into your own checkout through PayPal card processing cost 2.7% + CA$0.30. Payments from abroad add 0.8% from the United States and 1% from all other countries. Converting currency costs 4% above the base exchange rate, and a dispute costs CA$20.00. Read from PayPal's Canada fee page, checked 31 October 2026.

PayPal checkout: 2.9% + CA$0.30 per domestic payment
Domestic card: 2.7% + CA$0.30 (PayPal card processing in your own checkout)
International card: Add 0.8% from the United States and 1% from all other countries
Currency conversion: 4% above the base exchange rate
Disputes fee: CA$20.00 (CA$40.00 at high dispute volume)
Monthly fee: None for advanced card processing

What PlatformDTC does

PlatformDTC connects your own PayPal business account in Canada: the PayPal button at checkout, and PayPal card processing for cards typed into your checkout. PlatformDTC adds no fee to those sales, so the CA$10,000 month above costs the same CA$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 Canada, read on 31 October 2026. Each percentage is charged on the full payment, and the fixed fee of CA$0.30 is added to each payment received in Canadian dollars. Payments in other currencies carry that currency's own fixed fee from PayPal's table.

PayPal Canada charges 4.00% above the base exchange rate when a payment you receive is converted, and 3.00% for other conversions.

Fee	Rate	When it applies
PayPal payment (commercial transactions)	2.9% + CA$0.30	The shopper pays with PayPal and the money comes from your own country.
Card processing in your own checkout	2.7% + CA$0.30	Visa, Mastercard and similar cards typed into the card form on your own checkout (PayPal Advanced Credit and Debit Card Payments).
American Express through card processing	3.5%	An American Express card typed into your own checkout.
International payment, sender in the United States	+0.8%	Added to the domestic percentage when the payer's PayPal account or card is from abroad.
International payment, sender in all other countries	+1%	Added to the domestic percentage when the payer's PayPal account or card is from abroad.
Card processing, US cards	3.5% + CA$0.30	Replaces the domestic card processing rate for these cards.
Card processing, other international cards	3.7% + CA$0.30	Replaces the domestic card processing rate for these cards.
Currency conversion	4% above the base exchange rate	PayPal converts a payment or balance into another currency.
Dispute fee	CA$20.00	A buyer opens a dispute or chargeback on a payment made through PayPal checkout.
Dispute fee at high volume	CA$40.00	Applies instead when your account has a high number of disputes, under PayPal's user agreement.
Card chargeback fee	CA$20.00	A card payment made outside a PayPal account or guest checkout is charged back by the card's bank.

PayPal business fees in Canada, 31 October 2026

A worked month

Assumption: an average order of CA$50.00, every payment in Canadian dollars, no refunds or disputes.

CA$10,000.00 of sales in 200 domestic PayPal payments: 2.9% of CA$10,000.00 = CA$290.00; 200 × CA$0.30 = CA$60.00; total CA$350.00 (3.50% of sales).

CA$50,000.00 of sales in 1,000 domestic PayPal payments: 2.9% of CA$50,000.00 = CA$1,450.00; 1,000 × CA$0.30 = CA$300.00; total CA$1,750.00 (3.50% of sales).

The table adds the same months with a fifth of sales coming from all other countries, where PayPal adds 1% to the percentage on those payments only.

Month	Mix	PayPal fees	Share of sales
CA$10,000 in 200 payments	All domestic PayPal payments	CA$350.00	3.50%
CA$10,000 in 200 payments	80% domestic, 20% from all other countries (+1%)	CA$370.00	3.70%
CA$10,000 in 200 payments	All domestic cards through PayPal card processing	CA$330.00	3.30%
CA$50,000 in 1,000 payments	All domestic PayPal payments	CA$1,750.00	3.50%
CA$50,000 in 1,000 payments	80% domestic, 20% from all other countries (+1%)	CA$1,850.00	3.70%
CA$50,000 in 1,000 payments	All domestic cards through PayPal card processing	CA$1,650.00	3.30%

One month of PayPal fees in Canada (rounded to the cent)

What raises your fees

The headline 2.9% + CA$0.30 is the floor for a domestic PayPal payment in Canada. These push the real cost up:

Payments from abroad: 0.8% from the United States and 1% from all other countries.
Currency conversion: 4% above the base exchange rate whenever PayPal converts the money.
American Express cards through card processing: 3.5%.
Disputes: CA$20.00 each, or CA$40.00 once your dispute volume counts as high.
Card chargebacks: CA$20.00 each.
Small orders: the fixed CA$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 Canada?: PayPal lists no monthly fee for its advanced card processing (Advanced Credit and Debit Card Payments); Payments Advanced costs CA$10.00 a month. For PayPal checkout payments you pay per payment received: 2.9% + CA$0.30 on a domestic payment, plus the international and conversion fees when they apply.
How much does PayPal charge for international payments in Canada?: PayPal adds 0.8% from the United States and 1% from all other countries to the domestic percentage, and 4% above the base exchange rate if the money has to be converted. On a CA$50.00 payment from all other countries that is CA$2.25, against CA$1.75 for a domestic one.
What does a PayPal dispute cost in Canada?: PayPal's standard dispute fee in Canada is CA$20.00 per dispute on a payment made through PayPal checkout, rising to CA$40.00 when your account has a high number of disputes. A chargeback on a card payment processed outside a PayPal account costs CA$20.00.

Sources

PayPal fees for businesses, Canada — PayPal