PayPal Fee Calculator Australia 2026
What an Australian seller keeps from a PayPal payment, in Australian dollars, including payments from abroad.
Fees verified 19 Oct 2026
Where every fee comes from
Each line links to the PayPal page we checked on 19 Oct 2026.
- PayPal checkout3.49% + $0.49
- Cards2.99% + $0.49
- Pay Later4.99% + $0.49
- QR code2.29% + $0.09
- International payer+1.5%
- Currency conversion3% to 4%
- Friends and familyFree
- PayPal checkout2.9% + £0.30
- Pay Later3.9% + £0.30
- QR code2% + £0.05 up to £10, 1.5% + £0.10 above £10
- International payer+1.29% from EEA, +1.99% elsewhere
- Currency conversion3%
- Friends and familyFree
- PayPal checkout2.9% + C$0.30
- QR code2.4% + C$0.05 up to C$10, 1.9% + C$0.10 above C$10
- International payer+0.8% from US, +1% elsewhere
- Currency conversion3% to 4%
- Friends and familyFree
- PayPal checkout2.9% + A$0.30
- International payer+1%
- Currency conversion3% to 4%
- Friends and familyFree
- PaymentA$75.00
- Percent fee-A$2.18
- Fixed fee-A$0.30
- You keepA$72.52
- Currency conversion adds a spread of 3% to 4% above PayPal's base rate. It is not included.
Rounded per fee.
You keep A$72.52, margin 97%
Same sale elsewhere
How PayPal fees work for a Australia seller in 2026
A Australia seller pays a percent of each payment plus a fixed fee in AUD. A payer in another country adds a surcharge to the percent.
- Buyer pays
- A$75.00
- PayPal fees
- -A$2.483.3% of the sale
- Your costs
- -A$0.00item and label
- You keep
- A$72.5296.69% margin
That is a A$75.00 payment received in Australia. From a payer abroad you would keep A$71.77.
Full walkthrough
PayPal takes a percent of the amount the payer sends, plus a fixed fee for each payment. In Australia the checkout rate is 2.9% + A$0.30. Each fee is rounded to the cent on its own.
Here is one payment from the calculator above, worked through. A payer sends A$75.00 with PayPal checkout to a Australia account. All amounts are in AUD.
- Buyer paysA$75.00
- Percent fee2.9% of A$75.00-A$2.18
- Fixed feeA$0.30 on each payment received in AUD-A$0.30
- You keepA$72.52
PayPal took A$2.48 in fees, which is 3.3% of the payment. If the payer were abroad, the surcharge would add A$0.75 at the highest rate and you would keep A$71.77.
PayPal Australia fees, by payment type
| Payment type | Rate | Fee on A$75.00 | You keep |
|---|---|---|---|
| PayPal checkout | 2.9% + A$0.30 | A$2.48 | A$72.52 |
Fees are for receiving a payment in AUD. The percent is worked out on the full payment and each fee is rounded on its own. Currency conversion is not included.
International payers sending to Australia
| Payer | Surcharge | Fee on A$75.00 | You keep |
|---|---|---|---|
| Payer in the same country | none | A$2.48 | A$72.52 |
| Payer in any other country | +1% | A$3.23 | A$71.77 |
The surcharge is added to the 2.9% percent fee, so the combined percent is rounded once. A payer who pays in another currency also meets a conversion spread of 3% to 4%, which is not calculated.
PayPal in Australia and in the US
| Australia | US | |
|---|---|---|
| The payment | A$75.00 | $50.00 |
| Standard checkout | 2.9% + A$0.30 | 3.49% + $0.49 |
| Payer abroad | +1% from a payer in any other country | +1.5% from any country |
| Currency conversion spread | 3% to 4% | 3% to 4% |
| Fee on the payment | A$2.48 | $2.24 |
| Fee as a share of the payment | 3.3% | 4.5% |
| You keep | A$72.52 | $47.76 |
| Friends and family at home | Free | Free |
Both are domestic checkout payments in their own currency, and the US payment is the default one on the main calculator. Amounts are not converted between currencies.
What changed recently
3 updates, latest 19 Oct 2026
- Rates re-checked against PayPal's merchant fee pages for the US, UK, Canada and Australia.
- PayPal's Canada and Australia merchant fee pages show a last updated date of 13 October 2026.
- PayPal's US and UK merchant fee pages show a last updated date of 1 October 2026.
PayPal fees in Australia, answered
How much does PayPal charge to receive a payment in Australia?
Commercial transactions to an Australian account cost 2.9% + A$0.30. On a A$75.00 payment that is A$2.18 plus A$0.30, A$2.48 in all (3.3%), so you keep A$72.52. The fixed fee is for payments received in Australian dollars.
What does PayPal charge on an international payment to Australia?
PayPal adds 1% to the percent fee when the payer is in another country, whichever country it is. On A$75.00 the fee becomes A$3.23 and you keep A$71.77, against A$2.48 and A$72.52 from an Australian payer.
Is there a currency conversion fee on PayPal in Australia?
When a payment needs converting, PayPal applies a spread of 3% to 4% above its base exchange rate, depending on the transaction. On A$75.00 that would be about A$2.25 to A$3.00. It is a spread, not a fixed fee, and PayPal can disclose a different amount at the time, so we do not calculate it. A payer who pays in Australian dollars avoids it.
Are these PayPal Australia fees current for 2026?
This page reads PayPal's Australian merchant fee page, which PayPal last updated on 13 Oct 2026. We checked it on 19 Oct 2026. The standard rate is 2.9% + A$0.30, and we recheck it whenever PayPal changes the page.
Are PayPal friends and family payments free in Australia?
Sending to friends and family inside Australia is free when you fund it from a balance or bank account, and 2.6% when funded by card. Sending abroad costs 5% (0.99 to 5.99 AUD). These are personal payments, not sales, so they are not in the calculator.
Why are QR code and Pay Later payments missing for Australia?
PayPal lists a percent rate for QR code payments in Australia but states no fixed fee, so we cannot work out the fee to the cent and leave it out. We only offer a payment type when the page gives both numbers.
Why do small PayPal payments cost more in Australia?
The A$0.30 fixed fee does not shrink with the payment. On A$5.00 PayPal takes A$0.45, which is 9%, against 3.3% on A$75.00.
How much should I ask for to receive an exact amount in Australia?
Switch the calculator to "Find price" and enter the amount you want to receive. It solves for the payment to request after the percent fee, the A$0.30 fixed fee and any international surcharge you switch on.
Sources and methodology
How we checked every number
Every number on this page comes from one data file, checked against PayPal's own Australia fee pages on 19 Oct 2026. The calculator, the worked example, the tables and the FAQ all read from it, so they cannot disagree.
The Australia fixed fee applies to payments received in AUD. Currency conversion is a spread above PayPal's base rate (3% to 4%), so it is described here and not calculated. Where PayPal did not state a rate or a fixed fee, we left the option out instead of guessing.
What we could not confirm or do not model
- Australia QR code payments are listed at 1.2% with no fixed fee stated, so they are not offered.
- Fixed fees depend on the currency received. Only the fixed fee in your market's own currency is used, so a payer who pays in another currency is not modelled.
- Currency conversion is a spread above PayPal's base exchange rate: 3% in the UK, 3% or 4% depending on the transaction in the US, Canada and Australia. PayPal may disclose a different amount at the time. It is not a fixed fee, so it is not calculated.
- The international surcharge is added to the domestic percent for every payment type. The US page names commercial, invoicing and micropayment receipts, so treat it as an estimate for QR.
- PayPal says rates can differ from the page as disclosed during the transaction.
- Friends and family sends are personal payments, not sales, and are listed in the FAQ only. The Canada consumer page may be out of date.