Below is the recent update from the Paypal User Agreement. They are, in short, increasing fees from 3.4% + 15PHP to 3.9% + 15PHP effective on Sep 10, 2013. Credits to Paypal, no  copyright infringement intended.

This page informs users in advance of important changes to the PayPal service, its User Agreement, or other policies. This page displays policy updates with future effective dates. Go to “Past Policy Updates” for previous policy updates.

Amendment to the PayPal User Agreement

Effective Date: Sep 10, 2013
  • Please read this document.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your Account immediately without incurring any additional charges.

We do hope, however, that you continue to use PayPal and enjoy the following benefits: 

It’s safer 

When you pay with PayPal your financial details are never shared with sellers or retailers, so you’re more protected against fraud.

It’s faster 

You don’t have to type in your card details each time you pay, so you can check out faster online. You can also get eBay items delivered more quickly, as you can pay the seller instantly. 

It’s easier 

PayPal is a smarter, savvier way to pay online in just a few clicks. All you need is your email address and a password.

Please review the current User Agreement.

  • Amendment to the PayPal User Agreement

Effective Date: September 10, 2013

  1. For the following countries: China, Hong Kong, India, Indonesia, Malaysia, Philippines, Singapore, Taiwan, Thailand and Vietnam, the sub-section on “Receiving Commercial Payments” of section 2 (“Commercial Payments Fee”) set out in Exhibit A – Fees of the PayPal User Agreement is amended as follows:
    Domestic payments:
    (where applicable)
    Standard Rate # :Standard eBay Rate ##: 3.9% + Fixed Fee3.4% + Fixed Fee
    Merchant Rate #* :Merchant eBay Rate ##*: From 2.9% to 3.9% + Fixed FeeFrom 2.4% to 3.4% + Fixed Fee
    International payments: Standard Rate #:Standard eBay Rate ##:Merchant Rate #*:

    Merchant eBay Rate ##*:

    4.4% + Fixed Fee3.9% + Fixed FeeFrom 3.4% to 4.4% + Fixed Fee

    From 2.9% to 3.9% + Fixed Fee

    # excludes transactions on eBay website, Website Payments Pro – Hosted Solution,Virtual Terminal, PayPal Here and carrier billing products.

    ## for transactions on eBay website only.

  2. For the following countries: China, India, Indonesia, Malaysia, Philippines, Singapore, Taiwan, Thailand and Vietnam, the sub-section on “Receiving Micropayments for Digital Goods” of (ii) Micropayments for Digital Goods Fees” section of section 4 (“Fees for Other Pricing Categories”) set out in Exhibit A – Fees of the PayPal User Agreement is amended as follows:
    Domestic payments: 5.5% + Micropayment Fixed Fee
    International payments: 6.0% + Micropayment Fixed Fee.
  3. For Hong Kong, the sub-section on “Receiving Micropayments for Digital Goods” of (ii) Micropayments for Digital Goods Fees” section of section 4 (“Fees for Other Pricing Categories”) set out in Exhibit A – Fees of the PayPal User Agreement is amended as follows:
    Domestic payments: Standard Rate #: 5.5% + Micropayment Fixed Fee
    Standard eBay Rate ##: 5.0% + Micropayment Fixed Fee
    International payments: Standard Rate # : 6.0% + Micropayment Fixed Fee.
    Standard eBay Rate ## : 5.5% + Micropayment Fixed Fee.

    # excludes transactions on eBay website.

    ## for transactions on eBay website only.

  • Amendment to the PayPal Website Payments Pro – Hosted Solution / Virtual Terminal Agreement

Effective Date: September 10, 2013

Clause 2 (“Fees”) of the PayPal Website Payments Pro – Hosted Solution / Virtual Terminal Agreement is amended to read as follows:

“2. Fees

In consideration of PayPal providing the PayPal Services to you, you agree to pay the fees in the amount set out as follows:

Product Website Payments Pro – Hosted Solution Virtual Terminal
Standard rate Domestic payments : 3.9% + $2.35 HKDInternational payments : 4.4% + $2.35 HKD 4.4% + $2.35 HKD
Merchant rate* Domestic payments : From 2.9% to 3.9% + $2.35 HKDInternational payments : From 3.4% to 4.4% + $2.35 HKD From 3.4% to 4.4% + $2.35 HKD

*To qualify for our Merchant rate, you must have a qualifying monthly sales volume and have an Account in good standing.”

  • Amendment to the PayPal User Agreement

Effective September 16, 2013

  1. The following paragraphs have been modified to (i) include fees applicable for transactions involving Russian Ruble for when PayPal permits Russian Ruble transactions and to (ii) take into account the migration of Russia outside the scope of this PayPal User Agreement.
    1. Paragraph “7.5 Dispute Resolution” now reads as follows:7.5 Dispute Resolution. If you are unable to resolve a problem directly with a Seller, you can go to the Resolution Center and follow this process:
      1. Open a Dispute. Open a Dispute within 45 Days of the date you made the payment to negotiate with the Seller for resolution of the Dispute.
      2. Escalate the Dispute to a Claim. If you and the Seller are unable to come to an agreement, you can escalate the Dispute to a Claim within 20 Days after opening the Dispute.You must wait at least 7 Days from the date of payment to escalate a Dispute for an Item Not Received (INR), unless the Dispute is for $2,500 USD or more (or other currency equivalent). If you do not escalate the Dispute to a Claim within 20 Days,PayPal will permanently close the Dispute.
      3. Respond to PayPal’s requests for information in a timely manner. During the Claim process, PayPal may require you to provide documentation to support your position.
      4. Comply with PayPal’s shipping requests in a timely manner. For Significantly Not as Described (SNAD) Claims, PayPal will generally require you, at your expense, to ship the item back to the Seller, or to PayPal, or to a third party and to provide proof of delivery.For transactions that total less than $250 USD, proof of delivery is confirmation that can be viewed online and includes the delivery address showing at least city/state or postal code, delivery date, and the URL to the shipping company’s website if you’ve selected “Other” in the shipping drop down menu. For transactions that total $250 USD or more (or the equivalents in other currencies as listed in the table below), you must also get a signature confirmation of the delivery (except for buyers having a PayPal Account registered: in Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Israel, Turkey, or Ukraine to whom such requirement won’t apply).$250 USD signature confirmation requirement – other currencies equivalents:
        Currency Amount
        Australian Dollar: $350 AUD
        Brazilian Real: R $500 BRL
        Canadian Dollar: $325 CAD
        Czech Republic Koruna: 6,000 CZK
        Danish Krone: 1,500 DKK
        Euro: €200 EUR
        Hong Kong Dollar: $2,000 HKD
        Hungarian Forint: 55,000 HUF
        Israeli New Shekel: 1,000 ILS
        Japanese Yen: ¥28,000 JPY
        Malaysian Ringgit: 1000 MYR
        Mexican Peso: $2,200 MXN
        New Zealand Dollar: $380 NZD
        Currency Amount
        Norwegian Krone: 1,600 NOK
        Philippine Peso: 12,500 PHP
        Polish New Zloty: 800 PLN
        Russian Ruble:^ 8,500 RUB^
        Singapore Dollar: $ 400 SGD
        Swedish Krona: 2,000 SEK
        Swiss Franc: 330 CHF
        Taiwan New Dollar: 8250 TWD
        Thai Baht: 9000 THB
        Turkish Lira: 375 TRY
        U.K. Pound Sterling: £150 GBP
        U.S. Dollar: $ 250.00 USD

        ^ Subject to the commencement of PayPal’s Russian Ruble service.

    2. Paragraph “9.4 Proof of Shipment, Proof of Delivery, and Signature Confirmation Requirements” now reads as follows:9.4 Proof of Shipment, Proof of Delivery, and Signature Confirmation Requirements:”Proof of Shipment” is online or physical documentation from a shipping company that includes all of the following:
      1. The date the item is shipped.
      2. The recipient’s address, showing at least the city/state or postal code (or international equivalent).

      “Proof of Delivery” is online documentation from a shipping company that includes all of the following:

      1. The date the item is delivered.
      2. The recipient’s address, showing at least the city/state or postal code (or international equivalent).
      3. Signature Confirmation as described below for payments of $250 USD or more (or the following equivalents), save for Sellers having a PayPal Account registered in Albania, Andorra, Bosnia and Herzegovina, Croatia, Turkey and Ukraine to whom such requirement won’t apply):
        Currency Amount
        Australian Dollar $350 AUD
        Brazilian Real $500 BRL
        Canadian Dollar $325 CAD
        Czech Republic Koruna 6,000 CZK
        Danish Krone 1,500 DKK
        Euro: €200 EUR
        Hong Kong Dollar $2,000 HKD
        Hungarian Forint 55,000 HUF
        Israeli New Shekel 1,000 ILS
        Japanese Yen ¥28,000 JPY
        Malaysian Ringgit 1000 MYR
        Mexican Peso $2,200 MXN
        Currency Amount
        New Zealand Dollar $380 NZD
        Norwegian Krone 1,600 NOK
        Philippine Peso 12500.00 PHP
        Polish New Zloty 800 PLN
        Russian Ruble:^ 8,500 RUB^
        Singaporean Dollar $ 400 SGD
        Swedish Krona 2,000 SEK
        Swiss Franc 330 CHF
        Taiwan New Dollar 8250 TWD
        Thai Baht 9000 THB
        Turkish Lira 375 TRY
        U.K. Pound Sterling £150 GBP
        U.S. Dollar $250 USD

        ^ Subject to the commencement of PayPal’s Russian Ruble service.

      4. “Signature Confirmation” is online documentation that can be viewed at the shipping company’s website and indicates that the item was signed for on delivery.
    3. Exhibit A “Fees” now reads as follows:Exhibit A – Fees.
      Overview. PayPal charges the following Fees:

        1. Commercial Payments Fee.
        2. Additional Fees:

          • Currency Conversion Processing Fee;
          • Withdrawing your Balance Fee;
          • eCheck Fee;
          • Chargeback Fee;
          • Credit Card and Debit Card Confirmation Fee; and
          • Records Request Fee.
        3. Fees for other pricing categories:
          • Micropayments Fee;
          • Micropayment for Digital Goods Fee;
          • Mass Payments Fee;
          • Personal Payments Fee; and
          • Installments Processing Fee in Mexico;

        For additional information about the Fees applicable to you view your country’s Fees page.

      1. Commercial Payments Fee.A Commercial Payment includes the following:
        • A payment for the sale of goods or services;
        • A payment received after the Seller has used the ”Request Payment” tab on the PayPal website; or
        • A payment that is sent to, or received by, a business or other commercial or non-profit entity.
        Activity Country Commercial Payments Fee
        Receiving Commercial Payments All countries except as listed below
        Domestic payments: Standard Rate: 3.4% + Fixed Fee
        Merchant Rate*: From 2.4% to 3.4% + Fixed Fee
        International payments: Standard Rate: 3.9% + Fixed Fee
        Merchant Rate**: From 2.9% to 3.9% + Fixed Fee
        Albania
        Andorra
        Bosnia and Herzegovina
        Croatia
        Iceland
        Turkey
        Domestic payments: Standard Rate: 3.4% + Fixed Fee
        Merchant Rate*: From 2.4% to 3.4% + Fixed Fee
        International payments: See table below.
        Argentina (international payments only)Bermuda
        Cayman Islands
        Chile
        Colombia
        Costa Rica
        Dominican Republic
        Ecuador
        El Salvador
        Guatemala
        Jamaica
        Panama
        Peru
        Uruguay
        Venezuela
        Domestic payments and international payments: Standard Rate: 5.4% + Fixed FeeMerchant Rate : From 4.4% to 5.4% + Fixed Fee
        China
        Hong Kong
        India
        Indonesia
        Malaysia
        Philippines
        Singapore
        Taiwan
        Thailand
        Vietnam
        Domestic payments:
        (where applicable)
        Standard Rate # :Standard eBay Rate: 3.9% + Fixed Fee3.4% + Fixed Fee
        Merchant Rate #*:Merchant eBay Rate*: From 2.9% to 3.9% + Fixed FeeFrom 2.4% to 3.4% + Fixed Fee
        International payments: Standard Rate #:Standard eBay Rate ##:Merchant Rate #*:

        Merchant eBay Rate ##*:

        4.4% + Fixed Fee3.9% + Fixed FeeFrom 3.4% to 4.4% + Fixed Fee

        From 2.9% to 3.9% + Fixed Fee

        Automatic Transfer Countries Except for: Albania, Bosnia and Herzegovina, Croatia
        Domestic payments and international payments: Standard Rate: 4.9% + Fixed Fee
        Merchant Rate*: From 3.9% to 4.9% + Fixed Fee
        Japan
        Domestic payments: Standard Rate: 3.6% + Fixed Fee
        Merchant Rate*: From 2.9% to 3.6% + Fixed Fee
        International payments: Standard Rate: 3.9% + Fixed Fee
        Merchant Rate*: From 2.9% to 3.9% + Fixed Fee
        Mexico
        Domestic payments: Standard Rate: 4.0% + Fixed Fee
        Merchant Rate*: From 3.0% to 4.0% + Fixed Fee
        International payments: Standard Rate: 4.5% + Fixed Fee
        Merchant Rate*: From 3.5% to 4.5% + Fixed Fee
        Fixed Fee All countries
        Currency: Fee:
        Australian Dollar: $0.30 AUD
        Brazilian Real: R$0.60 BRL
        Canadian Dollar: $0.30 CAD
        Czech Koruna: 10.00 CZK
        Danish Kroner: 2.60 DKK
        Euro: €0.35 EUR
        Hong Kong Dollar: $2.35 HKD
        Hungarian Forint: 90.00 HUF
        Israeli New Shekel: 1.20 ILS
        Japanese Yen: ¥40.00 JPY
        Malaysian Ringgit: 2.00 MYR
        Mexican Peso: 4.00 MXN
        New Zealand Dollar: $0.45 NZD
        Norwegian Krone: 2.80 NOK
        Philippine Peso: 15.00 PHP
        Polish Zloty: 1.35 PLN
        Russian Ruble:^ 10 RUB^
        Singapore Dollar: $0.50 SGD
        Swedish Krona: 3.25 SEK
        Swiss Franc: 0.55 CHF
        New Taiwan Dollar: $10.00 TWD
        Thai Baht: 11.00 THB
        Turkish Lira: 0.45 TRY
        U.K. Pounds Sterling: £0.20 GBP
        U.S. Dollar: $0.30 USD

        ^ Subject to the commencement of PayPal’s Russian Ruble service.

        # excludes transactions on eBay website, Website Payments Pro – Hosted Solution, Virtual Terminal, PayPal Here and carrier billing products.

        ## for transactions on eBay website only.

        *To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.

        Receiving International Commercial Payments in Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey.

        The Fee depends on the buyer’s country.

        Activity Seller’s Country Buyer’s Country Fee 
        Receiving
        Commercial
        Payments
        Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Norway, Turkey Northern Europe*:
        Standard Rate: 3.8% + Fixed Fee
        Merchant Rate^: From 2.8% to 3.8% + Fixed Fee
        U.S, Canada, Europe I **:
        Standard Rate: 3.9%+ Fixed Fee
        Merchant Rate^: From 2.9% to 3.9% + Fixed Fee
        Europe II ***:
        Standard Rate: 4.4% + Fixed Fee
        Merchant Rate^: From 3.4% to 4.4% + Fixed Fee
        All other countries:
        Standard Rate: 4.9% + Fixed Fee
        Merchant Rate^: From 3.9% to 4.9% + Fixed Fee
        Fixed Fee See in table above

        * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

        ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany, Gibraltar, Greece, Ireland, Italy , Luxembourg, Malta, Monaco^^, Netherlands, Portugal, Montenegro^^, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

        *** Europe II: Albania, Andorra, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Macedonia^^, Moldova^^, Poland, Romania, Russia, Serbia^^, Switzerland, Turkey, Ukraine.

        ^  Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria click here. To apply for Merchant Rate clickhere.

        ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

        Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area will be treated as Domestic Personal Payments for the purpose of applying Fees.

      2. Additional Fees.
        Activity Additional Fees
        Currency Conversion
        Country: Fee:
        All countries except as listed below. 2.5% (added to the exchange rate)
        Argentina, Aruba, Bahamas, Barbados, Bermuda, Cayman Islands, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Jamaica, Kenya, Kuwait, Mexico, Panama, Peru, Qatar, Saudi Arabia, Trinidad & Tobago, United Arab Emirates, Uruguay, Venezuela. 3.5% (added to the exchange rate)
        Egypt
        Georgia
        Serbia
        4.0% added to the exchange rate.
        Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey, Ukraine. Currency Conversion that occurs when sending a Personal or a Commercial Payment:4% added to the exchange rate.
        Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);

        2.5% added to the exchange rate
        Bhutan, Cambodia, China, Federated States of Micronesia, Hong Kong, India, Indonesia, Japan, Korea, Laos, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Philippines, Samoa, Singapore, Sri Lanka, Taiwan, Thailand, Tonga, Vietnam Currency Conversion that occurs when sending a Personal or a Commercial Payment:

        The Fee depends on the currency into which the amount is converted, as listed in the table below and is added to the exchange rate.

        Currency:  Fee:
        Argentine Peso: 4%
        Australian Dollar: 4%
        Brazilian Real: 4%
        Canadian Dollar: 3.5%
        Czech Koruna: 4%
        Danish Kroner: 4%
        Euro: 4%
        Hong Kong Dollar: 4%
        Hungarian Forint: 4%
        Indian Rupee: 4%
        Israeli New Shekel: 4%
        Japanese Yen: 4%
        Malaysian Ringgit 4%
        Mexican Peso: 4%
        New Zealand Dollar: 4%
        Norwegian Krone: 4%
        Philippine Peso: 4%
        Polish Zloty: 4%
        Russian Ruble:^ 3.5%^
        Singapore Dollar: 4%
        Swedish Krona: 4%
        Swiss Franc: 4%
        New Taiwan Dollar: 4%
        Thai Baht: 4%
        Turkish Lira: 4%
        U.K. Pounds Sterling: 4%
        U.S. Dollar: 3.5%

        Currency conversion that occurs when receiving other payments (including Mass Payments), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency), adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable)

        2.5% added to the exchange rate

        ^Subject to the commencement of PayPal’s Russian Ruble service.

        When a currency conversion is required, it will be completed at a foreign exchange rate determined by a licensed financial institution, which is adjusted regularly based on market conditions. The exchange rate is adjusted regularly and may be applied immediately and without notice to you. The exchange rate includes a processing Fee expressed as a percentage above the wholesale exchange rate at which PayPal obtains foreign currency, and the processing fee is retained by PayPal. You may have the option (depending on the country you are residing in and the type of funding source) to Opt Out of currency conversion before you complete the transaction by selecting Other Conversion options on the Review Your Information page during checkout.

        Where a currency conversion is offered by PayPal at the point of sale, you will be shown the exchange rate that will be applied to the transaction before you proceed with authorizing the payment transaction. By proceeding with your authorization of the payment transaction you are agreeing to the currency conversion on the basis of the exchange rate. Where a currency conversion is offered at the point of sale by the Merchant, not by PayPal, and you choose to authorize the payment transaction on the basis of the Merchant’s exchange rate and charges, PayPal has no liability to you for that currency conversion.

        Where you payment is funded by a Debit or Credit Card and involves a currency conversion by PayPal, you consent to and authorize PayPal to convert the currency in place of your Credit or Debit card issuer.

        Withdrawing your Balance
        Withdrawal Method: Fee:
        Withdrawals you make to your U.S. bank account. Free
        Automatic transfers we make to your credit card or U.S. bank account. Free
        Withdrawals you make to your local bank account.Withdrawals you make to your credit card.Withdrawal via a physical check sent to you.

        Return Fee if the withdrawal information you provided is incorrect or incomplete.

        Fee varies by country. See Fee Page and  select the appropriate country to view Fees.If you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out above.
        Receiving eChecks For sellers in the countries listed below, there is a maximum fee per payment for receiving eCheck-funded payments as follows. The cap depends on the currency of the payment:

        Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey Currency: Fee:
        Argentine Peso: 150.00 ARS
        Australian Dollar: 50.00 AUD
        Brazilian Real: 75.00 BRL
        Canadian Dollar: 45.00 CAD
        Czech Koruna: 850.00 CZK
        Danish Krone: 250.00 DKK
        Euro: 35.00 EUR
        Hong Kong Dollar: 330.00 HKD
        Hungarian Forint: 9250 HUF
        Israeli New Shekel: 160.00 ILS
        Indian Rupee: 2000 INR
        Japanese Yen: 4000 JPY
        Malaysian Ringgit: 150.00 MYR
        Mexican Peso: 540.00 MXN
        New Zealand Dollar: 60.00 NZD
        Philippine Peso: 1900.00 PHP
        Polish Zloty: 140.00 PLN
        Russian Ruble:^ 1400.00 RUB^
        Singapore Dollar: 60.00 SGD
        Swedish Krona: 320.00 SEK
        Swiss Franc: 50.00 CHF
        Taiwan New Dollar: 1350.00 TWD
        Thai Baht: 1400.00 THB
        Turkish Lira: 80.00 TRY
        U.K. Pounds Sterling: 30.00 GBP
        U.S. Dollar: 45.00 USD

        ^ Subject to the commencement of PayPal’s Russian Ruble service.

        Chargebacks
        All countries except as listed below Currency: Fee:
        Australian Dollar: $15.00 AUD
        Brazilian Real: R$20.00 BRL
        Canadian Dollar: $15.00 CAD
        Czech Koruna: 250.00 CZK
        Danish Kroner: 60.00 DKK
        Euro: €11.25 EUR
        Hong Kong Dollar: $75.00 HKD
        Hungarian Forint: 2000.00 HUF
        Israeli New Shekel: 40.00 ILS
        Japanese Yen: ¥1300.00 JPY
        Malaysian Ringgit: 40.00 MYR
        Mexican Peso: 110.00 MXN
        New Zealand Dollar: $15.00 NZD
        Philippine Peso: 500.00 PHP
        Polish Zloty: 30.00 PLN
        Russian Ruble:^ 320.00 RUB^
        Singapore Dollar: $15.00 SGD
        Swedish Krona: 80.00 SEK
        Swiss Franc: 10.00 CHF
        New Taiwan Dollar: $330.00 TWD
        Thai Baht: 360.00 THB
        Turkish Lira: 15.00 TRY
        U.K. Pounds Sterling: £7.00 GBP
        U.S. Dollar: $10.00 USD

        ^ Subject to the commencement of PayPal’s Russian Ruble service.

        Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey Currency: Fee :
        Argentine Peso: 70.00 ARS
        Australian Dollar: 22.00 AUD
        Brazilian Real: 35.00 BRL
        Canadian Dollar: 20.00 CAD
        Czech Koruna: 400.00 CZK
        Danish Kroner: 120.00 DKK
        Euro: 16.00 EUR
        Hong Kong Dollar: 155.00 HKD
        Hungarian Forint: 4325 HUF
        Israeli New Shekel: 75.00 ILS
        Indian Rupee: 950.00 INR
        Japanese Yen: 1875 JPY
        Malaysian Ringgit: 65.00 MYR
        Mexican Peso: 250.00 MXN
        New Zealand Dollar: 28.00 NZD
        Philippine Peso: 900.00 PHP
        Polish Zloty: 65.00 PLN
        Russian Ruble:^ 640.00 RUB^
        Singapore Dollar: 28.00 SGD
        Swedish Krona: 150.00 SEK
        Swiss Franc: 22.00 CHF
        Taiwan New Dollar: 625.00 TWD
        Thai Baht: 650.00 THB
        Turkish Lira: 30.00 TRY
        U.K. Pounds Sterling: 14.00 GBP
        U.S. Dollar: 20.00 USD

        ^Subject to the commencement of PayPal’s Russian Ruble service.

        The Chargeback Fee is charged at the time a Chargeback is applied to your Account for a payment you receive. If you are eligible for PayPal Seller Protection for that payment, the Fee is waived. The Fee is based on the currency received.

        Credit Card and Debit Card Confirmation
          Currency: Fee:
        Australian Dollar: $2.00 AUD
        Brazilian Real: R 4.00 BRL
        Canadian Dollar: $2.45 CAD
        Czech Koruna: 50.00 CZK
        Danish Kroner: 12.50 DKK
        Euro: €1.50 EUR
        Hong Kong Dollar: $15.00 HKD
        Hungarian Forint: 400.00 HUF
        Israeli New Shekel: 8.00 ILS
        Japanese Yen: ¥200.00 JPY
        Malaysian Ringgit: 10.00 MYR
        Mexican Peso: 20.00 MXN
        New Zealand Dollar: $3.00 NZD
        Norwegian Krone: 15.00 NOK
        Philippine Peso: 100.00 PHP
        Polish Zloty: 6.50 PLN
        Russian Ruble:^ 60 RUB^
        Singapore Dollar: $3.00 SGD
        Swedish Krona: 15.00 SEK
        Swiss Franc: 3.00 CHF
        New Taiwan Dollar: $70.00 TWD
        Thai Baht: 70.00 THB
        Turkish Lira: 3.00 TRY
        U.K. Pounds Sterling: £1.00 GBP
        U.S. Dollar: $1.95 USD

        ^Subject to the commencement of PayPal’s Russian Ruble service.

        In some instances, PayPal may require you to verify control of your credit card or debit card. In order to do so, PayPal makes a charge to your credit card or debit card and then requires you to verify the code associated with the charge. This amount will be refunded when you successfully complete the credit card or debit card verification process.

        Records Requests Fee $10.00 SGD (per item), or other currency equivalent.We will not charge you for records requested in connection with your good-faith assertion of an error in your Account.
      3. Fees for Other Pricing Categories
        1. Micropayments Pricing. PayPal offers two micropayments pricing programs: (i) Micropayments Fees; and (ii) Micropayments for Digital Goods Fees.(i) Micropayments Fees. If you have signed up for Micropayments Fees, then the following Fees apply to all the Commercial Payments you receive. If you have both a Micropayments Fees enabled Account and a standard pricing Account, it is your responsibility to correctly route your payments to the appropriate Account, and once a transaction is processed through the Account you selected, you may not request that the transaction be processed through a different Account.
          Activity Country Micropayments Fee
          Receiving Commercial Payments All countries (where Micropayments Fees are available)
          Domestic payments:
          5% + Micropayments Fixed Fee
          International payments:
          6%+ Micropayments Fixed Fee
          Micropayments Fixed Fee All countries where available
          Currency: Fee:
          Australian Dollar: $0.05 AUD
          Brazilian Real: R 0.10 BRL
          Canadian Dollar: $0.05 CAD
          Czech Koruna: 1.67 CZK
          Danish Kroner: 0.43 DKK
          Euro: €0.05 EUR
          Hong Kong Dollar: $0.39 HKD
          Hungarian Forint: 15.00 HUF
          Israeli New Shekel: 0.20 ILS
          Japanese Yen: ¥7.00 JPY
          Malaysian Ringgit: 0.20 MYR
          Mexican Peso: $0.55 MXN
          New Zealand Dollar: $0.08 NZD
          Norwegian Krone: 0.47 NOK
          Philippine Peso: 2.50 PHP
          Polish Zloty: 0.23 PLN
          Russian Ruble:^ 2.00 RUB^
          Singapore Dollar: $0.08 SGD
          Swedish Krona: 0.54 SEK
          Swiss Franc: 0.09 CHF
          New Taiwan Dollar: 2.00 TWD
          Thai Baht: 1.80 THB
          Turkish Lira: 0.08 TRY
          U.K. Pounds Sterling: £0.05 GBP
          U.S. Dollar: $0.05 USD
          ^ Subject to the commencement of PayPal’s Russian Ruble service.

          (ii) Micropayments for Digital Goods Fees. If you apply and qualify for Micropayments for Digital Goods, then for each transaction involving only Digital Goods, you agree to pay either (i) the Commercial Payment Fees described in Section 2 above or (ii) the Micropayments for Digital Goods Fees, whichever rate results in a lower amount being charged to you for the transaction.

          Activity Country Micropayments for Digital Goods Fee
          Receiving Micropayments for Digital Goods All countries (where Micropayments for Digital Goods are available) except as listed below
          Domestic payments:
          5% +  Micropayments Fixed Fee
          International payments:
          5.5% +  Micropayments Fixed Fee
          Japan
          Domestic payments:
          5% +  Micropayments Fixed Fee
          International payments:
          5^% to 5.3 % + Micropayments Fixed Fee
          Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey (where applicable)
          Domestic payments:
          5% + Micropayments Fixed Fee
          International payments:
          The Fee depends on the buyer’s country

          Buyer’s Country Fee   
          Northern Europe* 5.4% + Micropayments Fixed Fee
          U.S., Canada, Europe I** 5.5% + Micropayments Fixed Fee
          Europe II*** 6.0% + Micropayments Fixed Fee
          All other countries 6.5% + Micropayments Fixed Fee
          China, India, Indonesia, Malaysia, Philippines, Singapore, Taiwan, Thailand, Vietnam
          Domestic payments:
          5.5% + Micropayments Fixed Fee
          International payments:
          6.0% + Micropayments Fixed Fee
          Hong Kong
          Domestic payments:Standard Rate # : 5.5% + Micropayment Fixed FeeStandard eBay Rate ##: 5.0% + Micropayment Fixed Fee International payments:Standard Rate # : 6.0% + Micropayment Fixed FeeStandard eBay Rate ##: 5.5% + Micropayment Fixed Fee
          Micropayments Fixed Fee All countries where available
            Currency: Fee:
          Australian Dollar: $0.05 AUD
          Brazilian Real: R 0.10 BRL
          Canadian Dollar: $0.05 CAD
          Czech Koruna: 1.67 CZK
          Danish Kroner: 0.43 DKK
          Euro: €0.05 EUR
          Hong Kong Dollar: $0.39 HKD
          Hungarian Forint: 15.00 HUF
          Israeli New Shekel: 0.20 ILS
          Japanese Yen: ¥7.00 JPY
          Malaysian Ringgit: 0.20 MYR
          Mexican Peso: $0.55 MXN
          New Zealand Dollar: $0.08 NZD
          Norwegian Krone: 0.47 NOK
          Philippine Peso: 2.50 PHP
          Polish Zloty: 0.23 PLN
          Russian Ruble:^ 2.00 RUB^
          Singapore Dollar: $0.08 SGD
          Swedish Krona: 0.54 SEK
          Swiss Franc: 0.09 CHF
          New Taiwan Dollar: 2.00 TWD
          Thai Baht: 1.80 THB
          Turkish Lira: 0.08 TRY
          U.K. Pounds Sterling: £0.05 GBP
          U.S. Dollar: $0.05 USD
          ^ Subject to the commencement of PayPal’s Russian Ruble service.

          * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Sweden.

          ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco^^, Netherlands, Portugal, Montenegro^^, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

          *** Europe II: Albania, Andorra, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Macedonia^^, Moldova^^, Poland, Romania, Russia, Serbia^^, Switzerland, Turkey, Ukraine.

          ^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.

          ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

          #excludes transactions on eBay website.

          ##for transactions on eBay website only.

          Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area will be treated as Domestic Personal Payments for the purpose of applying Fees.

        2. Mass Payments Fee.
          Activity Country Mass Payments Fee
          Sending Mass Payments All countries except as listed below
          Domestic payments: 2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below.
          International payments:
          Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey, Ukraine
          Domestic payments: 2% of the payment up to a Maximum Mass Payment Fee per recipient as listed below**.
          International payments: 2% of the payment up to a Maximum Mass Payment Fee per recipient as listed below***.
          Hong Kong, China, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand
          Domestic payments (if available): 2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below.
          International payments: 2% of the payment up to a Maximum Mass Payment Fee* per recipient as listed below****.
          *Maximum Mass Payments Fee
          Currency: Maximum Fee per recipient:
          Australian Dollar: $1.25 AUD
          Brazilian Real: R$2.00 BRL
          Canadian Dollar: $1.25 CAD
          Czech Koruna: 24.00 CZK
          Danish Kroner: 6.00 DKK
          Euro: €0.85 EUR
          Hong Kong Dollar: $7.00 HKD
          Hungarian Forint: 210.00 HUF
          Israeli New Shekel: 4.00 ILS
          Japanese Yen: ¥120.00 JPY
          Malaysian Ringgit: 4.00 MYR
          Mexican Peso: 11.00 MXN
          New Zealand Dollar: $1.50 NZD
          Norwegian Krone: 6.75 NOK
          Philippine Peso: 50.00 PHP
          Polish Zloty: 3.00 PLN
          Russian Ruble:^ 30 RUB^
          Singapore Dollar: $1.60 SGD
          Swedish Krona: 9.00 SEK
          Swiss Franc: 1.30 CHF
          Turkish Lira: 1.50 TRY
          U.K. Pounds Sterling: £0.65 GBP
          U.S. Dollar: $1.00 USD
          **Maximum Mass Payment Fee for domestic payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey, Ukraine
            Currency: Maximum Fee per recipient:
          Australian Dollar: $8 AUD
          Brazilian Real: R $12 BRL
          Canadian Dollar: $7 CAD
          Czech Koruna: 140 CZK
          Danish Krone: 42 DKK
          Euro: €6 EUR
          Hong Kong Dollar: $55 HKD
          Hungarian Forint: 1540 HUF
          Israeli Shekel: 25 ILS
          Japanese Yen: ¥600 JPY
          Malaysian Ringgit: 25 MYR
          Mexican Peso: 85 MXN
          New Zealand Dollar: $10 NZD
          Norwegian Krone: 45 NOK
          Philippine Peso: 320 PHP
          Polish Zlotych: 23 PLN
          Russian Ruble:^ 240 RUB^
          Singapore Dollar: $10 SGD
          Swedish Krona: 50 SEK
          Swiss Franc: 8 CHF
          Taiwan New Dollar: $220 TWD
          Thai Baht: 230 THB
          Turkish Lira: 12 TRY
          U.K. Pounds Sterling: £5 GBP
          U.S. Dollar: $7 USD
          ***Maximum Mass Payment Fee for international payments from: Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey, Ukraine
          Currency: Maximum Fee per recipient:
          Australian Dollar: $50 AUD
          Brazilian Real: R $75 BRL
          Canadian Dollar: $45 CAD
          Czech Koruna: 850 CZK
          Danish Krone: 250 DKK
          Euro: €35 EUR
          Hong Kong Dollar: $330 HKD
          Hungarian Forint: 9250 HUF
          Israeli Shekel: 160 ILS
          Japanese Yen: ¥4000 JPY
          Malaysian Ringgit: 150 MYR
          Mexican Peso: 540 MXN
          New Zealand Dollar: $60 NZD
          Norwegian Krone: 270 NOK
          Philippine Peso: 1900 PHP
          Polish Zlotych: 140 PLN
          Russian Ruble:^ 1400 RUB^
          Singapore Dollar: $60 SGD
          Swedish Krona: 320 SEK
          Swiss Franc: 50 CHF
          Taiwan New  Dollar: $1350 TWD
          Thai Baht: 1400 THB
          Turkish Lira: 80 TRY
          U.K. Pounds Sterling: $30 GBP
          U.S. Dollar: $45 USD
          ****Maximum Mass Payment Fee for international payments from: China, Hong Kong, India, Japan, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand
          Currency: Maximum Fee Per Recipient:
          Australian Dollar: $60 AUD
          Brazilian Real: R$100 BRL
          Canadian Dollar: $60 CAD
          Czech Koruna: 1000 CZK
          Danish Kroner: 300 DKK
          Euro: €40 EUR
          Hong Kong Dollar: $400 HKD
          Hungarian Forint: 15,000 HUF
          Israeli Shekel: 200 ILS
          Japanese Yen: ¥5,000 JPY
          Malaysian Ringgit: 200 MYR
          Mexican Peso: 750 MXN
          New Zealand Dollar: $75 NZD
          Norwegian Krone: 300 NOK
          Philippine Peso: 2,500 PHP
          Polish Zloty: 150 PLN
          Russian Ruble:^ 1500 RUB^
          Singapore Dollar: $80 SGD
          Swedish Krona: 400 SEK
          Swiss Franc: 50 CHF
          New Taiwan Dollar: $2,000 TWD
          Thai Baht: 2,000 THB
          Turkish Lira: 75.00 TRY
          U.K. Pounds Sterling: £35 GBP
          U.S. Dollar: $50 USD
          ^ Subject to the commencement of PayPal’s Russian Ruble service.
        3. Personal Payments Fee.
          1. Personal Payments are payments to friends or family members for goods and/or services such as your share of the rent or a dinner bill.
          2. Personal Payments are limited in availability and are not available in most countries.
          3. If you use your credit card as the Payment Method for a Personal Payment, you may be charged a cash-advance fee by your credit card company.
          4. The Fee may be paid by either the sender or the recipient of the Personal Payment. In most instances, the sender will determine who pays the Fee.
          Activity Country of Recipient Personal Payments Fee when Payment Method is exclusively Balance or Bank Personal Payments Fee when another Payment Method is used to fully or partially fund the payment, including a credit or debit card
          Sending or Receiving Domestic Payments Where available Free 3.4% + Fixed Fee
          Sending or Receiving International Payments Australia 1% 3.4% + Fixed Fee
          Brazil 1% 7.4% + Fixed Fee
          Counties in Europe See table below.
          Japan 0.3% 3.9% + Fixed Fee
          U.S., Canada and Poland 1% 3.9% + Fixed Fee
          Elsewhere 0.5% 3.9% + Fixed Fee
          Fixed Fee
          Currency: Fee:
          Australian Dollar: $0.30 AUD
          Brazilian Real: R$0.60 BRL
          Canadian Dollar: $0.30 CAD
          Czech Koruna: 10.00 CZK
          Danish Kroner: 2.60 DKK
          Euro: €0.35 EUR
          Hong Kong Dollar: $2.35 HKD
          Hungarian Forint: 90.00 HUF
          Israeli New Shekel: 1.20 ILS
          Japanese Yen: ¥40.00 JPY
          Malaysian Ringgit: 2.00 MYR
          Mexican Peso: 4.00 MXN
          New Zealand Dollar: $0.45 NZD
          Norwegian Krone: 2.80 NOK
          Philippine Peso: 15.00 PHP
          Polish Zloty: 1.35 PLN
          Russian Ruble:^ 10.00 RUB^
          Singapore Dollar: $0.50 SGD
          Swedish Krona: 3.25 SEK
          Swiss Franc: 0.55 CHF
          New Taiwan Dollar: $10.00 TWD
          Thai Baht: 11.00 THB
          Turkish Lira: 0.45 TRY
          U.K. Pounds Sterling: £0.20 GBP
          U.S. Dollar: $0.30 USD
          ^ Subject to the commencement of PayPal’s
          Russian Ruble service.
        4. International Personal Payments to European CountriesTo determine the fee for an international Personal Payment sent to a user in a European country please follow these steps:1. Locate the recipient’s country in the table below (in the first column from left).
          2. Determine the region of the sender’s country (second column).
          3. Find the applicable fee based on the payment method used (third and fourth columns).

          Recipient’s Country
          (if applicable)
          Sender’s Country Fee when Funding Source is: entirely funded by PayPal balance or bank account Fee when Funding Source is: entirely or partially funded by debit card or credit card
          Albania, Andorra, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (including Aland Islands), Gibraltar, Greece, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, U.K. (including Channel Islands and Isle of Man). Northern Europe * 0.4% 3.8% + Fixed Fee
          US, Canada, Europe I ** 0.5% 3.9% + Fixed Fee
          Europe II *** 1.0% 4.4% + Fixed Fee
          All other countries 1.5% 4.9% + Fixed Fee
          Belgium, France, French Guiana, Guadeloupe, Italy, Martinique, Mayotte, Netherlands, Reunion. Northern Europe * 0.4% 3.8% + Fixed Fee
          US, Canada, Europe I ** 0.5% 3.9% + Fixed Fee
          Europe II *** 1.3% 4.7% + Fixed Fee
          All other countries 1.8% 5.2% + Fixed Fee
          Germany Northern Europe * 1.8% 3.7% + Fixed Fee
          US, Canada, Europe I ** 2.0% 3.9% + Fixed Fee
          Europe II *** 3.0% 4.9% + Fixed Fee
          All other countries 3.3% 5.2% + Fixed Fee
          Poland Northern Europe * 0.9% 3.8% + Fixed Fee
          US, Canada, Europe I ** 1.0%  3.9% + Fixed Fee
          Europe II *** 1.5% 4.4% + Fixed Fee
          All other countries 2.0% 4.9% + Fixed Fee

          * Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

          ** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany , Gibraltar, Greece, Ireland, Italy , Luxembourg, Malta, , Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

          *** Europe II: Albania, Andorra, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Poland, Romania, Russia, Switzerland, Turkey, Ukraine.

          Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or the European Economic Area will be treated as Domestic Payments for the purpose of applying Fees.

          Fixed Fee
          Currency: Fee :
          Australian Dollar: $0.30 AUD
          Brazilian Real: R$0.60 BRL
          Canadian Dollar: $0.30 CAD
          Czech Koruna: 10.00 CZK
          Danish Kroner: 2.60 DKK
          Euro: €0.35 EUR
          Hong Kong Dollar: $2.35 HKD
          Hungarian Forint: 90.00 HUF
          Israeli New Shekel: 1.20 ILS
          Japanese Yen: ¥40.00 JPY
          Malaysian Ringgit: 2.00 MYR
          Mexican Peso: 4.00 MXN
          New Zealand Dollar: $0.45 NZD
          Norwegian Krone: 2.80 NOK
          Philippine Peso: 15.00 PHP
          Polish Zloty: 1.35 PLN
          Russian Ruble:^ 10 RUB^
          Singapore Dollar: $0.50 SGD
          Swedish Krona: 3.25 SEK
          Swiss Franc: 0.55 CHF
          New Taiwan Dollar: $10.00 TWD
          Thai Baht: 11.00 THB
          Turkish Lira: 0.45 TRY
          U.K. Pounds Sterling: £0.20 GBP
          U.S. Dollar: $0.30 USD

          ^ Subject to the commencement of PayPal’s
          Russian Ruble service.

        5. Installment Processing Fee in Mexico. If your buyer decides to pay you in installments, the Fee you pay is based on the number of installments selected by the buyer. The Fee is the applicable domestic Commercial Payment Fee as listed in Section 2 above, plus the percentage stated below. PayPal reserves the right to remove your ability to offer installments using the PayPal Services anytime and without prior notice to you.
          Number of Installments Installment Processing Fee in Mexico
          2 installments 3.25%
          3 installments 4.55%
          4 installments 5.55%
          5 installments 6.90%
          6 installments 7.25%
          7 installments 9.10%
          8 installments 10.45%
          9 installments 11.25%
          10 installments 12.45%
          11 installments 13.25%
          12 installments 13.50%
        6. Refund Fee
          Activity Country Fee
          Refunding a Commercial Payment Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Turkey. If you refund a Commercial Payment, we will retain the Fixed Fee portion of the Commercial Payments Fee.The buyer’s Account will be credited with the full Commercial Payment amount.Your Account will be charged with the amount initially credited to your Account in connection with the Commercial Payment and the Fixed Fee portion of the Commercial Payments Fee
        7. Bank/Credit Card Fees. Your bank, credit or debit card company may charge you fees for sending or receiving funds through PayPal. For example, you may be charged currency conversion processing fees, international transactions fees, or other fees even when your transaction is domestic, and does not require a currency conversion. PayPal is not liable for any fees charged to you by your bank, credit or debit card company or other financial institution based on your usage of PayPal. If you are in Israel, your bank account may be charged immediately for a PayPal transaction that is funded with a credit card.
  2. Other changesSections of the PayPal User Agreement have been amended to clarify existing wording and correct typographical errors.
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Bien

Founder at Peso Exchanger
Eldest brother of 6 brothers, father of 2 daughters, husband to 1 loving wife, programmer, gamer, entrepreneur, freelancing advocate, financial planner, practical spender except on food, anime lover, and your internet savvy friend. I want to help build/convert more freelancers, independent workers, entrepreneurs in our country(Philippines).

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