PayPal Fee Calculator Australia (2026 Updated Rates)
PayPal Australia charges 2.6% + A$0.30 on domestic commercial transactions — the cheapest PayPal rate among major markets — plus 1.5% on cross-border payments.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| PayPal (this page) | $2.90 | $97.10 | baseline | |
| Wise | $0.93 | $99.07 | +$1.97 More 🟢 | PK → |
| Stripe | $3.20 | $96.80 | −$0.30 Less 🔻 | PK → |
| Square | $3.20 | $96.80 | −$0.30 Less 🔻 | PK → |
| Lemon Squeezy | $5.50 | $94.50 | −$2.60 Less 🔻 | PK → |
| Paddle | $5.50 | $94.50 | −$2.60 Less 🔻 | PK → |
| Gumroad | $13.70 | $86.30 | −$10.80 Less 🔻 | PK → |
PayPal fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.56 | $9.44 | 5.6% | $10.58 |
| $25.00 | $0.95 | $24.05 | 3.8% | $25.98 |
| $50.00 | $1.60 | $48.40 | 3.2% | $51.65 |
| $100.00 | $2.90 | $97.10 | 2.9% | $102.98 |
| $250.00 | $6.80 | $243.20 | 2.7% | $256.99 |
| $500.00 | $13.30 | $486.70 | 2.7% | $513.66 |
| $1,000.00 | $26.30 | $973.70 | 2.6% | $1,027.01 |
PayPal fee formula & hidden costs
payment processing 2.60% + A$0.30
Worked example: $100.00 gross → $2.90 fees → $97.10 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $102.98.
Hidden fees to watch
- Cross-border commercial payments add +1.5% on top of the domestic rate.
- PayPal currency conversion applies a 3-4% markup over the wholesale exchange rate.
- On refunds PayPal returns the percentage portion but keeps the $0.49 fixed fee.
- Chargeback fees run $8-$20 per dispute on top of losing the sale.
- Instant transfers to a bank or card cost 1.75% (min $0.25, max $25).
Fee change history
How to pay less in PayPal fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Payoneer — Cross-border payouts and multi-currency receiving accounts.
Frequently asked questions
What is the PayPal fee on a A$100 sale in Australia (A$)?
On a $100.00 sale, PayPal deducts $2.90 total fees, leaving $97.10 — an effective take rate of 2.9%.
How much should I charge to receive exactly A$100 after PayPal fees?
Charge $102.98: the $2.99 fee leaves exactly $100.00 net. Use the reverse tab above for any target.
What is the PayPal fee formula in Australia (A$)?
payment processing 2.60% + A$0.30. 2.6% + A$0.30 Goods & Services. All figures verified 2026-11-10 against the official pricing page.
Does PayPal refund fees when a buyer is refunded?
Partly — PayPal returns the percentage portion but keeps $0.49 per refunded transaction.