---
title: "PayPal fee calculator for Canada"
url: "https://trialvalid.com/paypal-fee-calculator/canada.md"
canonical_url: "https://trialvalid.com/paypal-fee-calculator/canada"
last_updated: "2026-10-19"
type: "tool"
summary: "PayPal takes CA$3.20 from a CA$100 Canadian sale at the commercial rate and you keep CA$96.80. Check any amount and buyer location."
related: ["https://trialvalid.com/paypal-fee-calculator.md", "https://trialvalid.com/paypal-fee-calculator/uk.md", "https://trialvalid.com/paypal-fee-calculator/australia.md", "https://trialvalid.com/pricing.md", "https://trialvalid.com/saas-metrics.md"]
---

# PayPal fee calculator for Canada

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PayPal takes CA$3.20 from a CA$100 Canadian sale at the commercial rate and you keep CA$96.80. Check any amount and buyer location.

Example with the default inputs:

| Input | Value |
| --- | --- |
| Payment amount | 100 |
| How the buyer pays | Commercial transactions (2.9% + CA$0.30) |
| Buyer location | Buyer in Canada |
| Converting a payment in another currency (adds 4%) | No |

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

Working:

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

## How a Canadian PayPal fee adds up

PayPal charges a Canadian seller a percentage of the sale and a fixed amount in cents. For an ordinary commercial payment that is 2.9% + CA$0.30. A CA$100 sale therefore costs CA$3.20; the tool rounds the percentage part to the nearest cent, adds the fixed fee, and shows what is left.

The formula, written out:

```text
fee    = round(amount x (rate + buyer surcharge + conversion)) + fixed
net    = amount - fee
target = smallest charge c with c - fee(c) >= goal
```

## The buyer country changes the rate

PayPal groups Canada's international buyers into two: the United States at +0.8% and every other country at +1%. The surcharge applies to commercial, QR code and advanced card payments. Here is the same CA$100 sale with each surcharge.

| Payment type | Canadian buyer | US buyer | Other country |
| --- | --- | --- | --- |
| Commercial transactions | CA$3.20 | CA$4.00 | CA$4.20 |
| QR code payment, CA$10.01 and above | CA$2.00 | CA$2.80 | CA$3.00 |
| Advanced credit and debit card payments | CA$3.00 | CA$3.80 | CA$4.00 |

## Fee for each payment type on CA$40 and CA$400

| Payment type | Rate | Fee on CA$40 | Fee on CA$400 |
| --- | --- | --- | --- |
| Commercial transactions | 2.9% + CA$0.30 | CA$1.46 | CA$11.90 |
| PayPal Pay Later options | 4.9% + CA$0.30 | CA$2.26 | CA$19.90 |
| QR code payment, CA$10.01 and above | 1.9% + CA$0.10 | CA$0.86 | CA$7.70 |
| QR code payment, CA$10.00 and below | 2.4% + CA$0.05 | CA$1.01 | CA$9.65 |
| Advanced credit and debit card payments | 2.7% + CA$0.30 | CA$1.38 | CA$11.10 |
| Micropayments, Canada and US | 5% + CA$0.05 | CA$2.05 | CA$20.05 |
| Micropayments, other international | 6% + CA$0.05 | CA$2.45 | CA$24.05 |

## The cost of small orders in Canadian dollars

A flat CA$0.30 is a large slice of a CA$3 order and a rounding error on CA$400. The commercial rate and the micropayments rate are shown side by side because the second was built for exactly this range.

| Sale | Commercial fee | Share lost | Micropayments fee | Share lost |
| --- | --- | --- | --- | --- |
| CA$3.00 | CA$0.39 | 13.0% | CA$0.20 | 6.7% |
| CA$8.00 | CA$0.53 | 6.6% | CA$0.45 | 5.6% |
| CA$15.00 | CA$0.74 | 4.9% | CA$0.80 | 5.3% |
| CA$40.00 | CA$1.46 | 3.7% | CA$2.05 | 5.1% |
| CA$100.00 | CA$3.20 | 3.2% | CA$5.05 | 5.1% |
| CA$400.00 | CA$11.90 | 3.0% | CA$20.05 | 5.0% |

The two lines cross at CA$12.10: below it micropayments are cheaper, from there the commercial rate wins.

## QR code sales split at CA$10

Two QR bands apply: 2.4% + CA$0.05 at CA$10.00 and below, and 1.9% + CA$0.10 from CA$10.01. On CA$10.00 the fee is CA$0.29; on CA$10.01 it is CA$0.29, so the edge itself barely moves the fee and the lower percentage pays off on larger sales.

## Three Canadian worked examples

| Case | Fee | You keep | Charge to keep the full amount |
| --- | --- | --- | --- |
| CA$1,200 advanced card payment from a US buyer | CA$42.30 | CA$1,157.70 | CA$1,243.83 |
| CA$65 order paid with Pay Later | CA$3.49 | CA$61.51 | CA$68.66 |
| CA$20 QR payment from an overseas buyer, converted | CA$1.48 | CA$18.52 | CA$21.59 |

The last case stacks three parts: the QR rate of 1.9%, the overseas surcharge of 1% and the conversion rate of 4%, which together make 6.9% plus CA$0.10.

## Limits of this tool

- Pay Later has no surcharge row on PayPal's Canadian table, so the buyer location option leaves it out and the tool says so in its steps.
- American Express card payments have their own advanced card rate, which is not modelled here.
- Donations, charity rates, payouts and withdrawals use different tables from the ones in this tool.
- Looking at another market? See the [PayPal fees for UK](https://trialvalid.com/paypal-fee-calculator/uk.md) and [PayPal fees for Australia](https://trialvalid.com/paypal-fee-calculator/australia.md) pages.

## Questions

### What does PayPal keep from a CA$100 sale in Canada?

With a Canadian buyer on the commercial rate of 2.9% + CA$0.30, PayPal keeps CA$3.20 and you receive CA$96.80. To end up with the whole CA$100 you would charge CA$103.30.

### How much more does a customer in the United States cost me?

A US buyer adds 0.8% to the percentage. On CA$100 at the commercial rate the fee becomes CA$4.00 instead of CA$3.20. A buyer in any other country adds 1% and the fee is CA$4.20.

### Is the advanced card product cheaper than the commercial rate?

The percentage is lower, 2.7% against 2.9%, and the fixed fee is the same CA$0.30. On CA$100 the advanced card fee is CA$3.00 against CA$3.20. It is a separate product you apply for, and American Express cards are priced differently, so the tool leaves them out.

### When do micropayments beat the standard rate in Canada?

The micropayments rate of 5% + CA$0.05 wins on small sales. It is cheaper up to CA$12.09, and from CA$12.10 the commercial rate of 2.9% + CA$0.30 is cheaper. PayPal sets it by application, for Canada and US payments at 5%.

### What does Pay Later cost on a CA$65 order?

Pay Later is 4.9% + CA$0.30, so a CA$65 order loses CA$3.49 and you keep CA$61.51. The same order on the commercial rate costs CA$2.19.

### How is a currency conversion priced?

PayPal sets a conversion floor of 4% when a payment arrives in another currency. Turning the option on for a CA$100 commercial payment raises the percentage to 6.9% and the fee to CA$7.20.

### What is the fee when a buyer disputes a card payment?

For card chargebacks that do not pass through a PayPal account or guest checkout, PayPal assesses a settlement fee of CA$20.00. It is charged in addition to the loss of the sale.

## Related tools

The [US PayPal fee calculator](https://trialvalid.com/paypal-fee-calculator.md) covers the American table, and [PayPal fees for UK](https://trialvalid.com/paypal-fee-calculator/uk.md) and [PayPal fees for Australia](https://trialvalid.com/paypal-fee-calculator/australia.md) show the other markets. To weigh other processors, try the [Stripe fee calculator](https://trialvalid.com/stripe-fee-calculator.md) or the [Square fee calculator](https://trialvalid.com/square-fee-calculator.md).

## Sources

- [PayPal merchant fees, Canada](https://www.paypal.com/ca/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 Australia](https://trialvalid.com/paypal-fee-calculator/australia.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)