PayPal Fee Calculator UK

PayPal fees can be complex. Our PayPal fee calculator will help UK businesses work out the charges they’ll incur when collecting payments with PayPal, wherever their customers are.

Get a business account that is more cost-efficient than PayPal.*

Avoid Paypal cross-border fees and exchange rate markups by withdrawing your PayPal balance to an Airwallex Global Account. Save even more when you use Airwallex to receive and send money globally.

*Calculation is based on your business’ location.

Find out how you can save

Your Location

United Kingdom

Buyer's Country

United States of America

Buyer sends you

USD

Standard rate (%)

PayPal Fee: GBP

Fixed fee GBP

Variable fee GBP

Cross-border fee GBP

Exchange rate mark-up GBP

International fee GBP

Currency conversion fee GBP

You will receive

GBP

PAYPAL FEES

How does PayPal calculate merchant fees?

PayPal fees for commercial transactions may vary depending on whether the transaction is considered domestic or international.

An additional currency conversion fee will apply if you are collecting money in a different currency from your PayPal account’s opening currency. Additionally, merchant fees may vary based on the method of payment collection and the transaction size.

So in short, you have to consider:

• Domestic
• International
• Currency conversion fees

Further information on each of these can be found below.

PayPal UK Domestic Merchant Fees

Standard fees for domestic transactions apply. You’ll also pay a fixed fee which is based on the received currency.

Fees	Stripe	Airwallex
Domestic cards	1.70%	1.65%
International cards	3.50%	3.40%
Gateway fee	A$0.30	A$0.30
Fraud detection fee (Stripe's Radar for Fraud Teams fee)	A$0.02	None

PayPal UK Domestic Merchant Fees

Standard fees for domestic transactions apply. You’ll also pay a fixed fee which is based on the received currency.

Standard Fee

Fees	Stripe	Airwallex
Domestic cards	1.70%	1.65%
International cards	3.50%	3.40%
Gateway fee	A$0.30	A$0.30
Fraud detection fee (Stripe's Radar for Fraud Teams fee)	A$0.02	None

Fixed Fee

CURRENCY	FIXED FEE (UK)	FIXED FEE (US)
Australian Dollar	0.30 AUD	0.59 AUD
Brazilian Real	0.60 BRL	2.90 BRL
Canadian Dollar	0.30 CAD	0.59 CAD
Czech Koruna	10.00 CZK	9.00 CZK
Danish Krone	2.60 DKK	2.90 DKK

PayPal International Merchant Fee

If you have customers in different countries, you will be subject to PayPal’s International Merchant fees. PayPal’s fees for receiving an international transaction depend on where the sender is based.

These charges do not cover the additional currency conversion fees that PayPal charges. More on this below. See Airwallex's pricing.

Features	Stripe	Airwallex
Like-for-like settlement	Available for USD and NZD only. Requires separate currency accounts.	Available in 14+ currencies with Airwallex Wallet.
Global reach	100+ local payment methods in 195+ countries	160+ local payment methods in 180+ countries
Multi-currency fund management	Not widely available	Convert funds, transfer funds between different currencies, schedule FX conversions, and more
Buy now, pay later options (e.g. Klarna and Afterpay)	Available for domestic payments	Available for domestic and international payments
Other features	Focused on payment processing	FX conversions, transfers, multi-currency accounts, expense management, and more

PayPal Currency Conversion Fee

When you open a PayPal account, it is given a fixed currency in which to operate. If you open your account in the UK, this currency will most likely be Pound Sterling (GBP).

PayPal will only allow you to withdraw your balance in the opening currency of your account, unless agreed otherwise. If you have multiple currencies in your PayPal balance, you or PayPal will have to convert the money to your opening currencies before you withdraw your balance to an external account.

PayPal charges a 3% currency conversion fee on top of the base rate. Save with Airwallex.

Additional PayPal Merchant Fees

PayPal’s merchant fees are complex, and you may be subject to different fees depending on a variety of factors, some of which are listed below.

Charity transactions

UK charity transactions are charged at 1.4% plus a fixed fee.
International transactions are charged the lower domestic rate plus PayPal’s standard international fees.

QR code transactions

For UK domestic payments of £10.01 and above, you will be charged 1.5% plus a fixed fee.
For UK domestic payments of £10 and below, you will be charged 2% plus the fixed fee.
For international transactions, you will be charged these fees plus PayPal’s standard international rate in the UK.

New Checkout Solution

PayPal may offer you an alternative rate if you are using the New Checkout Solution.

PayPal Here

Merchants using PayPal Here are subject to varying rates depending on the number of transactions they receive in the calendar month.

PayPal Website Payments Pro

Fees differ depending on the card type your customer uses and the fee structure you are subject to.

Micropayments

In the UK, Businesses that regularly process payments under £5 can upgrade to the Micropayment rate.
UK domestic Micropayment transactions are charged at 5% plus a £0.05 fixed fee.
Micropayment from European accounts in Euros and Swedish Krona are also charged at this rate.
Other international Micropayments are charged at 6% plus a £0.05 fixed fee in the UK.