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.

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.

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.

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:

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

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. 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.

      2. 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.

      3. 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.

      4. 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.