PayPal UK fees
Receiving a goods or services payment in the UK costs 2.9% + 30p, the same for PayPal Checkout and invoices. A buyer in the EEA adds 1.29%, anywhere else 1.99%. Card payments from buyers without a PayPal account cost 1.2% + 30p, Pay in 3 costs 3.9% + 30p, and QR code payments 1.5% + 10p (PayPal UK merchant fees). Friends and family payments within the UK are free.
| £100 payment | Fees | Fee rate | You keep |
|---|---|---|---|
| Goods & services, UK buyer | £3.20 | 3.20% | £96.80 |
| Goods & services, EEA buyer | £4.49 | 4.49% | £95.51 |
| Goods & services, buyer elsewhere | £5.19 | 5.19% | £94.81 |
PayPal Fees UK: Goods and Services, Invoices and Abroad
The domestic rate is simple; the international extras are where costs creep in. A £100 sale to France costs £4.49 instead of £3.20, and to the US £5.19. If PayPal also converts the currency, its exchange rate includes a 3% spread on top.
To receive an exact amount, switch to What to charge: PayPal’s percentage also applies to what you add, so £100 in your pocket needs £103.30 from a UK buyer.
Card payments without a PayPal account
When a customer pays by card without a PayPal account, the UK rate is 1.2% + 30p: on a £40 sale that’s £0.78, far less than the £1.46 a PayPal-balance payment would cost. The difference is PayPal’s pricing, not something you choose at checkout, but it’s worth knowing when you compare PayPal with SumUp or Stripe for online sales.
| Fee | Amount | Charged on | When |
|---|---|---|---|
| All Other Commercial Transactions | 2.9% + £0.30 | Everything the payer sends (incl. shipping & tax) | Online sales, goods and services payments and money requestssource |
| Invoices (charged as commercial transactions) | 2.9% + £0.30 | Everything the payer sends (incl. shipping & tax) | Client pays your PayPal invoice or money requestsource |
| Card funded payment from a user of our Terms for Payments without a PayPal account | 1.2% + £0.30 | Everything the payer sends (incl. shipping & tax) | The buyer pays by card as a guest, without logging insource |
| Buy Now Pay Later Transactions (excludes PayPal Credit) | 3.9% + £0.30 | Everything the payer sends (incl. shipping & tax) | The buyer chooses Pay in 3 or Pay in 30source |
| QR Code Transactions | 1.5% + £0.10 (£10.00 or less: 2% + £0.05) | The payment amount | The buyer scans your PayPal QR codesource |
| PayPal Point of Sale: Card Present Transactions | 1.75% | The payment amount | Card tapped, inserted or swiped in personsource |
| PayPal Point of Sale: Manual Card Entry Transactions | 3.4% + £0.20 | The payment amount | You type the card number into PayPal Point of Salesource |
| Advanced Credit and Debit Card Payments (Blended Pricing) | 1.2% + £0.30 | Everything the payer sends (incl. shipping & tax) | Card fields on your own checkout (Visa, Mastercard and others; Amex is 3.5%)source |
| Virtual Terminal (Blended Pricing) | 2.9% + £0.30 | Everything the payer sends (incl. shipping & tax) | You key in a card online, e.g. for phone orderssource |
| Donation | 2.9% + £0.30 | Everything the payer sends (incl. shipping & tax) | Money received as a donationsource |
| Charity transactions | 1.4% + £0.20 | Everything the payer sends (incl. shipping & tax) | Charities PayPal has approved for the charity ratesource |
| Micropayments | 5% + £0.05 | Everything the payer sends (incl. shipping & tax) | Accounts approved for micropayments (applies to every payment)source |
| Friends and family (domestic) | Free | The amount sent | Personal payments within the UKsource |
| International payment | +1.29% EEA, +1.99% elsewhere | Added to the rate above | The payer's PayPal account is registered outside the UKsource |
| Fixed fee in other currencies | €0.35, US$0.30, C$0.30, A$0.30 | Each payment, by the currency you receive | Main rate, payment in another currencysource |
| Currency conversion | 3% spread | The amount converted (built into the exchange rate) | PayPal converts a payment into your currencysource |
| Standard withdrawal to your bank | Free | The amount withdrawn | No currency conversionsource |
| Friends and family abroad | 5% of the amount (at least £0.99, at most £2.99) | The amount sent (paid by the sender) | Personal payment to another countrysource |
| Refunds | Fee kept | The original payment | Full or partial refund: the original fee isn't returnedsource |
| Dispute fee | £12 (£24 high volume) | Each buyer claim or chargeback | Standard fee not charged on payments under £24, if you win, or if Seller Protection covers itsource |
| Chargeback fee | £14 | Each card chargeback | Card payments not made through a PayPal account or guest checkoutsource |
Taking card payments at a market or counter? SumUp charges 1.69% with no fixed fee. Selling online with your own checkout? Compare Stripe fees UK.