PayPal Fee Calculator Canada

PayPal takes 2.9% plus 30 cents from a payment made with a PayPal account in Canada.

PayPal fee = payment × 2.9% + CA$0.30
you keep = payment − PayPal fee

PayPal lists this as the rate for "Commercial Transactions": selling goods or services, or asking for money with a request. On a CA$100 payment, 2.9% is CA$2.90. Adding the 30 cent fixed fee makes CA$3.20, so you keep CA$96.80.

A buyer in the US adds 0.8% to the fee, and a buyer anywhere else adds 1%.

PayPal Canada prices the US apart from the rest of the world. A CA$100 payment from a buyer in the US costs CA$4.00, and from a buyer in the UK or Australia CA$4.20. The 30 cents stays the same; only the percentage rises.

Advanced card payments cost 2.7% plus 30 cents, 20 cents less than a PayPal account payment on CA$100.

Advanced card payments let a buyer pay by card in your own checkout, once PayPal approves your account. From a US card the rate is 3.5% + CA$0.30, and from any other country 3.7% + CA$0.30. American Express is 3.5% wherever the card is from.

PayPal Pay Later costs 4.9% plus 30 cents, two points more than a standard PayPal payment.

Pay Later lets the buyer spread the cost while you are charged a higher rate. On CA$100 the fee is CA$5.20, CA$2.00 more than the same sale paid from a PayPal account, and on CA$500 it is CA$24.80.

QR code payments cost 1.9% plus 10 cents over CA$10, and 2.4% plus 5 cents on CA$10 or less.

A buyer scans your PayPal QR code and pays from their PayPal account, usually in person. The lower fixed fees make QR codes much cheaper than a standard PayPal payment on small sales.

The QR code rates are 1.9% + CA$0.10 above CA$10 and 2.4% + CA$0.05 at CA$10 or less, and a buyer outside Canada adds the same 0.8% or 1%.

Converting a payment into another currency costs at least 4%, more than the fee on a CA$100 sale.

PayPal's Canadian page sets 4% as the minimum conversion rate for commercial transactions, in Canadian dollars, US dollars and every other currency. On a payment worth CA$100, 4% is CA$4.00, against a CA$3.20 fee for the sale itself.

Under CA$11.90, PayPal's micropayments rate of 5% plus 5 cents costs less than the standard rate.

PayPal offers micropayments pricing, which you apply for, at 5% + CA$0.05 for buyers in Canada and the US and 6% plus 5 cents elsewhere. Its page suggests it for businesses taking payments under CA$12, and once approved it applies to every payment into the account, so above CA$11.90 it costs more than the standard rate.

To receive an exact amount, add the 30 cents and divide by what the 2.9% leaves.

amount to charge = (amount you want + CA$0.30) ÷ (1 − 2.9%)

To keep CA$100 from a PayPal account payment, charge (CA$100 + CA$0.30) ÷ 0.971, which is CA$103.30. PayPal's fee on CA$103.30 is CA$3.30, and CA$100 is left.

Stripe charges the same 2.9% plus 30 cents as a PayPal account payment in Canada, and Square online charges 2.8% plus 30 cents.

On CA$100, Stripe on a Canadian card and PayPal from a PayPal account both cost CA$3.20. Square's online and invoice rate costs CA$3.10, and PayPal's own advanced card payments CA$3.00, the lowest of the four.

Sources: PayPal, Merchant Fees (Canada), last updated 13 October 2026; Stripe, Pricing & Fees (Canada); Square, Our fees (Canada). All read 17 October 2026. PayPal's Canadian fee page · Stripe's Canadian pricing page · Square's Canadian fee page

Compare your own amount on the Stripe fee calculator Canada and the Square fee calculator Canada, or use the PayPal fee calculator for US dollar payments. If you sell subscriptions on Stripe, 1Capture collects the first payment in the last 2 hours of a trial and retries it up to 10 times if it fails, as the payment capture page explains.