---
title: "PayPal fee calculator for Australia"
url: "https://trialvalid.com/paypal-fee-calculator/australia.md"
canonical_url: "https://trialvalid.com/paypal-fee-calculator/australia"
last_updated: "2026-10-19"
type: "tool"
summary: "An A$100 Australian sale at PayPal's commercial rate costs A$3.20 and leaves A$96.80. Compare QR, card and overseas buyers."
related: ["https://trialvalid.com/paypal-fee-calculator.md", "https://trialvalid.com/paypal-fee-calculator/uk.md", "https://trialvalid.com/paypal-fee-calculator/canada.md", "https://trialvalid.com/pricing.md", "https://trialvalid.com/saas-metrics.md"]
---

# PayPal fee calculator for Australia

> **For AI agents:** the complete index of TrialValid pages is [llms.txt](https://trialvalid.com/llms.txt). Every page is also served as markdown at its URL plus .md.

An A$100 Australian sale at PayPal's commercial rate costs A$3.20 and leaves A$96.80. Compare QR, card and overseas buyers.

Example with the default inputs:

| Input | Value |
| --- | --- |
| Payment amount | 100 |
| How the buyer pays | Commercial transactions (2.9% + A$0.30) |
| Buyer location | Buyer in Australia |
| Currency conversion (3% above the base rate) (adds 3%) | No |

| Result | Value |
| --- | --- |
| Fee | A$3.20 |
| You keep | A$96.80 |
| Charge to keep the full amount | A$103.30 |
| Share lost to the fee | 3.2% |

Working:

1. Commercial transactions is 2.9% + A$0.30.
2. The percentage part: 2.9% of A$100.00 is A$2.90, rounded half up to the smallest unit.
3. Add the fixed fee: A$2.90 + A$0.30 = A$3.20.
4. The fee is A$3.20, so you keep A$100.00 - A$3.20 = A$96.80.
5. To keep the full A$100.00, charge A$103.30: the fee on that is A$3.30, which leaves A$100.00.

## The Australian fee in one sentence

Commercial payments to an Australian PayPal account pay 2.9% + A$0.30, so A$100 becomes A$96.80 after A$3.20. Other payment types change the percentage or drop the fixed fee, and the tool lets you choose between them.

How each step is calculated:

```text
percentage part = round(amount x (rate + surcharges))
fee             = percentage part + fixed
keep            = amount - fee
```

PayPal notes that for Australian customers the Combined Financial Services Guide and Product Disclosure Statement prevails if it differs from the fee page this tool reads, so treat the result as an estimate and check the guide for your own agreement.

## Every Australian rate on A$25 and A$250

| Payment type | Rate | Fee on A$25 | Fee on A$250 |
| --- | --- | --- | --- |
| Commercial transactions | 2.9% + A$0.30 | A$1.03 | A$7.55 |
| QR code payment | 1.2% | A$0.30 | A$3.00 |
| Advanced credit and debit card payments | 1.5% + A$0.30 | A$0.68 | A$4.05 |
| Micropayments, domestic | 5% + A$0.05 | A$1.30 | A$12.55 |
| Micropayments, international | 6% + A$0.05 | A$1.55 | A$15.05 |

## QR code payments have no fixed fee

At 1.2% flat, the QR rate costs the same share on every sale, so it is the one row here where a small sale is not penalised. The commercial row, which carries A$0.30, is the one that hurts small sales most.

| Sale | QR fee | QR share | Commercial fee | Commercial share |
| --- | --- | --- | --- | --- |
| A$2.00 | A$0.02 | 1.0% | A$0.36 | 18.0% |
| A$6.00 | A$0.07 | 1.2% | A$0.47 | 7.8% |
| A$12.00 | A$0.14 | 1.2% | A$0.65 | 5.4% |
| A$30.00 | A$0.36 | 1.2% | A$1.17 | 3.9% |
| A$75.00 | A$0.90 | 1.2% | A$2.48 | 3.3% |
| A$200.00 | A$2.40 | 1.2% | A$6.10 | 3.1% |

## Overseas buyers and the card surcharge

Australia has two surcharges. Commercial and QR payments add 1%; advanced card payments add 2.1%. Seeing them on A$500 shows the gap.

| Payment type | Local buyer | Overseas buyer | Extra cost |
| --- | --- | --- | --- |
| Commercial transactions | A$14.80 | A$19.80 | A$5.00 |
| QR code payment | A$6.00 | A$11.00 | A$5.00 |
| Advanced credit and debit card payments | A$7.80 | A$18.30 | A$10.50 |

## What a month of sales costs

Take a month of identical A$100 payments. The totals below add the fee on every payment, which shows how the fixed A$0.30 adds up as order counts rise.

| Payments in the month | Commercial total | Advanced card total | QR total |
| --- | --- | --- | --- |
| 60 | A$192.00 | A$108.00 | A$72.00 |
| 150 | A$480.00 | A$270.00 | A$180.00 |
| 600 | A$1,920.00 | A$1,080.00 | A$720.00 |
| 2500 | A$8,000.00 | A$4,500.00 | A$3,000.00 |

## Micropayments against commercial

With 5% + A$0.05, micropayments break even with the commercial rate near A$12.10. They are cheaper below it and dearer above, and PayPal sets them by application.

## Three Australian worked examples

| Case | Fee | You keep | Charge to keep the full amount |
| --- | --- | --- | --- |
| A$75 QR code payment | A$0.90 | A$74.10 | A$75.91 |
| A$900 advanced card sale to an overseas buyer | A$32.70 | A$867.30 | A$933.92 |
| A$35 commercial sale, overseas buyer, converted | A$2.72 | A$32.28 | A$37.92 |

The final line adds up as 2.9% plus 1% plus 3%, a percentage of 6.9%, with A$0.30 on top.

## Cases the calculator does not cover

- Virtual Terminal, Website Payments Pro, donations, charity rates and payouts sit in other PayPal tables.
- The higher conversion rate PayPal applies to some currency conversions is not a separate option; the tool offers the 3% rate.
- Compare other markets with the [PayPal fees for UK](https://trialvalid.com/paypal-fee-calculator/uk.md) and [PayPal fees for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md) pages.

## Questions

### What is the PayPal fee on an A$100 sale in Australia?

On the commercial rate of 2.9% + A$0.30 the fee is A$3.20 and you keep A$96.80. Charge A$103.30 if you want the full A$100 to land after the fee.

### Why is the QR code rate so much lower?

PayPal lists QR code payments at 1.2% with no fixed fee, against 2.9% + A$0.30 for commercial payments. On A$75 that is A$0.90 instead of A$2.48, which is 1.2% of the sale instead of 3.3%.

### How much extra does an overseas buyer add?

Commercial and QR code payments from outside Australia add 1% to the percentage, so an A$100 commercial sale rises from A$3.20 to A$4.20. Advanced card payments add a larger 2.1%, which takes an A$100 card sale from A$1.80 to A$3.90.

### Is the advanced card product worth it?

For local buyers it is the cheapest card route in the table: 1.5% + A$0.30 against 2.9% + A$0.30. A A$900 domestic sale costs A$13.80 on it and A$26.40 on the commercial rate. The gap narrows for overseas cards, where the surcharge of 2.1% puts it at A$32.70, only A$2.70 less than the commercial rate with its smaller surcharge.

### Where do micropayments fit in?

They cost 5% + A$0.05 and are set by application. That beats the commercial rate for sales up to A$12.09; from A$12.10 the commercial rate is cheaper. An A$6 sale loses A$0.35 on micropayments and A$0.47 on the commercial rate.

### How much is the currency conversion?

PayPal sets one conversion rate for most cases and a higher one for some, for example when a buyer pays in a currency different from the listing's. The tool uses 3% for converting what you receive, which takes an A$100 commercial sale to A$6.20.

### What does a card chargeback cost?

The chargeback fee on PayPal's Australian page is A$15.00. On an A$100 sale that is 15.0% added to the sale you lose.

## Related tools

The [US PayPal fee calculator](https://trialvalid.com/paypal-fee-calculator.md) shows the American table; [PayPal fees for UK](https://trialvalid.com/paypal-fee-calculator/uk.md) and [PayPal fees for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md) cover the other two countries. The [Stripe fee calculator](https://trialvalid.com/stripe-fee-calculator.md) and [Square's](https://trialvalid.com/square-fee-calculator.md) run the same sums for those processors.

## Sources

- [PayPal merchant fees, Australia](https://www.paypal.com/au/business/paypal-business-fees): read on 19 Oct 2026. PayPal prints "Last Updated: 13 October 2026" on the page.

## Related

- [PayPal fee calculator](https://trialvalid.com/paypal-fee-calculator.md)
- [PayPal fee calculator for the UK](https://trialvalid.com/paypal-fee-calculator/uk.md)
- [PayPal fee calculator for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md)
- [Plans from $29 with a 14-day trial for $1](https://trialvalid.com/pricing.md)
- [SaaS metrics glossary](https://trialvalid.com/saas-metrics.md)