Last checked: 2026-09-27
A commercial receipt is not a personal transfer. PayPal’s Canada merchant-fees page, last updated 15 July 2026 and fetched 27 September 2026, splits domestic and international commercial transaction rates. This page names that split. It does not reprint PayPal’s percentages, fixed fees, dispute fees, or withdrawal limits. Recheck paypal.com/ca/business/paypal-business-fees before you rely on a rate. Not tax, legal, or banking advice. Opening a PayPal account still requires PayPal’s own signup.
The page’s headings include domestic, international, and commercial transaction rates. Under that last heading it lists a standard rate for receiving domestic transactions, receiving international transactions, an additional percentage-based fee for international commercial transactions, and a fixed fee based on the currency received. A download paid by another Canadian PayPal customer is the domestic commercial row, not a personal transfer and not a QR-code row. This guide does not copy those rates.
QR-code transactions have their own fixed-fee headings, split by ticket size. Pay Later is a different row on the domestic table. Do not use those rows as the rate on a download checkout.
The same page offers a micropayments rate as an alternative to the standard commercial rate, subject to application. PayPal says that if you upgrade, the micropayments rate applies to all commercial payments received into the account, not only the small ones. This guide does not reprint that rate.
On a refund of a commercial transaction, PayPal describes a receive-fee rule that is not the same as “no cost.” Dispute fees and chargeback fees are separate CAD amounts on the same page. This guide does not add them into one number and does not print them.
A local bank withdrawal is listed apart from a currency conversion. Instant withdrawal to a linked debit card is a different row. The page also lists withdrawal limits and a minimum conversion rate for the Canadian dollar, including a Quebec note. Those figures stay on PayPal’s page.
KeepCAD 2026 is a separate dated comparison of other payout clocks. It does not replace this PayPal fee page, and this page does not add a PayPal row to that pack. The sales page keeps one Discover versus Stripe teaser. The rest of that tape is in the zip.
Source: paypal.com/ca/business/paypal-business-fees (last updated 15 July 2026, fetched 27 September 2026). Recheck it. Not tax advice.