PayPal · Processing fees
What are PayPal's fees in Poland?
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PayPal charges businesses in Poland 2.9% + PLN 1.35 for each domestic PayPal payment, or 1.9% plus the fixed fee when the shopper pays by card without a PayPal account. Cards typed into your own checkout through PayPal card processing cost 1.9% + PLN 1.35. Payments from abroad add nothing extra from the EEA, 1.29% from the United Kingdom and 1.99% from all other countries. Converting currency costs 3% above the base exchange rate, and a dispute costs PLN 60.00. Read from PayPal's Poland fee page, checked 31 October 2026.
- PayPal checkout
- 2.9% + PLN 1.35 per domestic payment
- Domestic card
- 1.9% + PLN 1.35 (PayPal card processing in your own checkout)
- International card
- Add nothing extra from the EEA, 1.29% from the United Kingdom and 1.99% from all other countries
- Currency conversion
- 3% above the base exchange rate
- Disputes fee
- PLN 60.00 (PLN 120.00 at high dispute volume)
What PlatformDTC does
PlatformDTC connects your own PayPal business account in Poland: the PayPal button at checkout, and PayPal card processing for cards typed into your checkout. PlatformDTC adds no fee to those sales, so the PLN 40,000 month above costs the same PLN 1,430.00 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 Poland (the page is in Polish), read on 31 October 2026. Each percentage is charged on the full payment, and the fixed fee of PLN 1.35 is added to each payment received in Polish złoty. Payments in other currencies carry that currency's own fixed fee from PayPal's table.
| Fee | Rate | When it applies |
|---|---|---|
| PayPal payment (all other commercial transactions) | 2.9% + PLN 1.35 | The shopper pays with PayPal and the money comes from your own country. |
| Card payment without a PayPal account | 1.9% + PLN 1.35 | The shopper pays by card in PayPal's checkout without logging in to PayPal. |
| Card processing in your own checkout | 1.9% + PLN 1.35 | 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 the EEA | No extra fee | Added to the domestic percentage when the payer's PayPal account or card is from abroad. |
| International payment, sender in the United Kingdom | +1.29% | Added to the domestic percentage when the payer's PayPal account or card is from abroad. |
| International payment, sender in all other countries | +1.99% | 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. |
| Dispute fee | PLN 60.00 | A buyer opens a dispute or chargeback on a payment made through PayPal checkout. |
| Dispute fee at high volume | PLN 120.00 | Applies instead when your account has a high number of disputes, under PayPal's user agreement. |
| Card chargeback fee | PLN 65.00 | 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 PLN 200.00, every payment in Polish złoty, no refunds or disputes.
PLN 40,000.00 of sales in 200 domestic PayPal payments: 2.9% of PLN 40,000.00 = PLN 1,160.00; 200 × PLN 1.35 = PLN 270.00; total PLN 1,430.00 (3.58% of sales).
PLN 200,000.00 of sales in 1,000 domestic PayPal payments: 2.9% of PLN 200,000.00 = PLN 5,800.00; 1,000 × PLN 1.35 = PLN 1,350.00; total PLN 7,150.00 (3.58% of sales).
The table adds the same months with a fifth of sales coming from all other countries, where PayPal adds 1.99% to the percentage on those payments only.
| Month | Mix | PayPal fees | Share of sales |
|---|---|---|---|
| PLN 40,000 in 200 payments | All domestic PayPal payments | PLN 1,430.00 | 3.58% |
| PLN 40,000 in 200 payments | 80% domestic, 20% from all other countries (+1.99%) | PLN 1,589.20 | 3.97% |
| PLN 40,000 in 200 payments | All domestic cards through PayPal card processing | PLN 1,030.00 | 2.58% |
| PLN 200,000 in 1,000 payments | All domestic PayPal payments | PLN 7,150.00 | 3.58% |
| PLN 200,000 in 1,000 payments | 80% domestic, 20% from all other countries (+1.99%) | PLN 7,946.00 | 3.97% |
| PLN 200,000 in 1,000 payments | All domestic cards through PayPal card processing | PLN 5,150.00 | 2.58% |
What raises your fees
The headline 2.9% + PLN 1.35 is the floor for a domestic PayPal payment in Poland. These push the real cost up:
- Shoppers paying with a PayPal account cost more than guest card payments here: 2.9% + PLN 1.35 against 1.9% + PLN 1.35.
- Payments from abroad: nothing extra from the EEA, 1.29% from the United Kingdom and 1.99% from all other countries.
- Currency conversion: 3% above the base exchange rate whenever PayPal converts the money.
- Disputes: PLN 60.00 each, or PLN 120.00 once your dispute volume counts as high.
- Card chargebacks: PLN 65.00 each.
- Small orders: the fixed PLN 1.35 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 Poland?
- For PayPal checkout payments you pay per payment received: 2.9% + PLN 1.35 on a domestic payment, plus the international and conversion fees when they apply.
- How much does PayPal charge for international payments in Poland?
- PayPal adds nothing extra from the EEA, 1.29% from the United Kingdom and 1.99% from all other countries to the domestic percentage, and 3% above the base exchange rate if the money has to be converted. On a PLN 200.00 payment from all other countries that is PLN 11.13, against PLN 7.15 for a domestic one.
- What does a PayPal dispute cost in Poland?
- PayPal's standard dispute fee in Poland is PLN 60.00 per dispute on a payment made through PayPal checkout, rising to PLN 120.00 when your account has a high number of disputes. A chargeback on a card payment processed outside a PayPal account costs PLN 65.00.
- Why is a guest card payment cheaper than a PayPal account payment?
- PayPal's Poland page prices a card payment from a shopper without a PayPal account at 1.9% plus the fixed fee, and other business payments at 2.9% + PLN 1.35. Which one applies depends on how the shopper chooses to pay.
Sources
Related
- Hong Kong SAR China — 3.9% + HK$2.35 per domestic PayPal payment; 3.4% + HK$2.35 for cards via PayPal card processing
- Japan — 3.6% + ¥40 per domestic PayPal payment; 3.2% + ¥40 for cards via PayPal card processing
- Mexico — 3.95% + MX$4.00 per domestic PayPal payment; 3.55% + MX$4.00 for cards via PayPal card processing
- United States — 3.49% + $0.49 per domestic PayPal payment; 2.89% + $0.29 for cards via PayPal card processing
- United Kingdom — 2.9% + 30p per domestic PayPal payment; 1.2% + 30p for cards via PayPal card processing
- Canada — 2.9% + CA$0.30 per domestic PayPal payment; 2.7% + CA$0.30 for cards via PayPal card processing