PayPal Fee Calculator UK
This calculator shows UK businesses, freelancers, and online sellers the real amount you keep after PayPal fees — including the standard rate, fixed fee, cross-border fee, and currency conversion fee.
PayPal adds extra charges for international payments and for converting currencies. These fees add up quickly.
To keep more of your earnings, you could move your PayPal balance into an Airwallex Global Account and convert currencies at better rates, without PayPal’s FX markup.
USDYou will receive
GBPPAYPAL FEES
How PayPal calculates merchant fees
PayPal’s fees depend on a few factors:
- • Is the payment domestic or international?
- • What’s the transaction amount?
- • What payment method did the customer use?
- • Where is the buyer located?
- • Is currency conversion needed?
Most businesses pay a percentage fee plus a fixed fee. International payments also include a cross-border fee and a currency conversion fee if PayPal needs to convert the currency.
You can see how this works below.
PayPal UK domestic merchant fees
When you receive a payment from a customer in the United Kingdom, PayPal charges a standard fee of 2.9% + a fixed fee. The fixed fee depends on the currency you receive.
PayPal UK domestic merchant fees
When you receive a payment from a customer in the United Kingdom, PayPal charges a standard fee of 2.9% + a fixed fee. The fixed fee depends on the currency you receive.
Standard Fee
Fixed Fee
PayPal international merchant fee
When your customer’s outside the UK, PayPal charges more. You’ll pay the standard rate, the cross-border fee, the fixed fee, and the currency conversion fee (if needed)
These costs can add up, especially if you receive regular international payments.
PayPal currency conversion fee
PayPal adds a 3% currency conversion fee whenever you’re paid in a different currency.
For UK accounts, your main currency is usually GBP, so any USD, EUR, or other foreign payment gets hit with that extra 3% straight away. This means you’re paid less every time someone sends you money in another currency.
You could avoid this fee by withdrawing your PayPal balance to an Airwallex Global Account and converting at near-interbank rates.
Additional PayPal merchant fees
PayPal has extra fees for certain types of payments. These charges depend on what you’re selling, how the customer pays, and where the payment comes from.
Charity transactions
UK charity payments are 1.4% + a fixed fee.
International charity payments use the domestic rate + PayPal’s international fee.
QR code transactions
PayPal charges different rates depending on the amount:
For UK payments over £10: 1.5% + fixed fee
For UK payments £10 or less: 2% + fixed fee
For international QR payments: the same fees plus PayPal’s international rate
New checkout solution
If you’re using PayPal’s checkout solution, you might get a different rate. PayPal sets this based on your setup.
PayPal Here
Businesses using PayPal Here pay different fees depending on how many transactions they make each month. More transactions may mean a lower rate.
PayPal Website Payments Pro
The fees for Website Payments Pro change based on which card the customer uses and the fee plan your business is on.
Micropayments
If your business often takes payments under £5, you can switch to PayPal’s Micropayments plan.
UK domestic Micropayments: 5% + £0.05 fixed fee
Micropayments from Europe (EUR / SEK): same rate
Other international Micropayments: 6% + £0.05 fixed fee
If you regularly receive small payments, the standard fixed fee can take up a large share of low-value transactions.
Airwallex offers flexible pricing for your payment needs
Airwallex lets you handle accounts, transfers, cards, expenses, and payments in one platform, making it easier and cheaper to run your business.
View Airwallex's full pricing here.
Global Accounts
Open domestic and foreign currency accounts online in minutes. It’s fast, simple, and built for businesses that work with customers around the world.
Foreign and domestic currency accounts
Open accounts with unique local details in 20+ currencies, including USD, GBP, EUR, AUD, CNY, HKD, and CAD.
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Multi-currency wallet
Hold over 20 currencies in your digital wallet and protect your business from market swings.
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Transfers & FX
Send money across the world quickly and at lower cost. Most transfers land the same day, and you won’t pay hidden fees.
Transfers
Send global payments with lightning-fast speed.
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10 - 30 AUD (about £5-£16)
Direct Debit
Move funds in and out of your foreign currency accounts with direct debit.
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FX conversions
Convert currencies at competitive rates, with clear pricing and no surprises.
0.5%
1.0%
Why you should switch to Airwallex
Why you should switch to Airwallex
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