Sources
Sources
SellerMaths uses public PayPal fee pages and avoids automatic results where the local PayPal information is not clear enough.
Last updated: 2026-06-17
Primary PayPal source families
The calculators use PayPal business fee pages for seller receiving fees and PayPal consumer fee pages for supported send-money or withdrawal cases. If PayPal does not publish enough local detail, the page uses manual input or blocks the automatic estimate.
- PayPal business / merchant fee pages by country.
- PayPal consumer fee pages by country.
- PayPal currency conversion notes where available, with estimate warnings.
- PayPal withdrawal / instant transfer sections where a country-specific automatic method is used.
Supported country set
The current fee set covers 20 countries: AU, BR, CA, DE, ES, FR, GB, HK, IE, IN, IT, JP, MX, MY, NL, PH, PL, SG, UA, and US.
International fee calculator policy
The PayPal International Fee Calculator has two source rules. Business receiving mode uses the recipient country PayPal business fee page, the sender country for domestic vs cross-border logic, and the selected currency fixed fee. Personal send mode uses the sender country PayPal consumer fee page and appears only when there is enough local information to calculate safely. Currency conversion is handled only by the exchange-rate calculator.
| Mode | Primary source family | Fee currency | If source is missing |
|---|---|---|---|
| Business receiving / Goods & Services | Recipient-country PayPal business / merchant fees | Recipient currency | Show estimate only when business rate and fixed fee are available; otherwise block the result. |
| Personal send / PayPal-to-PayPal transfer | Sender-country PayPal consumer fees | Payment / send currency | Show automatic results only when the personal-send rule is clear; otherwise show an error and ask the user to check PayPal. |
Some countries can still work for international business receiving even when personal-send mode is hidden, because those two calculations use different PayPal source pages.
Tax calculator policy
The PayPal tax calculator uses the tax rate you enter. It does not include an official sales tax, VAT, GST, state, or marketplace-tax database. The PayPal fee is calculated separately from the tax amount.
Donation calculator policy
The PayPal donation calculator uses a local donation row where PayPal publishes one. If there is no separate local donation table, the page uses a business receiving rate and labels it as a commercial-rate donation estimate. Approved charity/nonprofit mode appears only where PayPal publishes a supported discounted rate.
Source freshness rule
Fee pages should be re-checked before launch and then reviewed regularly. If PayPal changes a source page, the calculator should be updated before it claims the new result.
Official PayPal references
- PayPal US business fees
- PayPal US consumer fees
- PayPal UK business fees
- PayPal Australia business fees
- PayPal Canada business fees
- PayPal Canada consumer fees
Each calculator page also lists the country-level source links used for that tool.
Donation and charity source examples
- PayPal US business fees — donations and charity transactions
- PayPal UK business fees — donations and charity transactions
- PayPal Australia business fees — donations and charity transactions
- PayPal Canada business fees — donations and charity transactions
- PayPal Germany business fees — donations and nonprofit transactions
The donation calculator source table shows all 20 supported country policies, including explicit donation rows, commercial-rate estimates, and countries where charity mode is hidden.
Instant transfer / withdrawal sources
Automatic withdrawal methods in the PayPal Instant Transfer Calculator are currently limited to US and Canada consumer fee pages. The calculator locks USD/CAD for those methods because minimum fees, maximum fees, and limits are currency-specific. Business-account withdrawals may follow different rules; use manual mode if PayPal shows a different fee.
Pay Later / credit sources
The Pay Later calculator keeps short-term installment products separate from APR products. Pay in 4, Pay in 3, Paiement en 4X, and Pay after 30 days are calculated without APR amortization. Pay Monthly and installment-credit modes use the APR/TAE/TAEG you enter plus local term options; the actual PayPal offer depends on checkout and eligibility. Germany Ratenzahlung notes include PayPal APR examples of 11.49% for 3/6/12 months and 12.49% for 24 months, with promotional offers potentially differing.
- PayPal US Buy Now Pay Later
- PayPal US credit services / PayPal Credit Card
- PayPal Canada Pay in 4
- PayPal Australia Pay in 4
- PayPal UK Pay in 3 online range — the online page lists £30–£2,000; another PayPal UK Pay Later page may show £20–£3,000, so checkout is final.
- PayPal Germany Pay Later / Ratenzahlung
- PayPal France Paiement en 4X
- PayPal Spain Paga en 3 / 6, 12, 24 plazos
- PayPal Italy Paga in 3 / 6, 12, 24 rate
- PayPal Brazil merchant installment fees PDF
- PayPal Mexico business installment fees — 4x and 24 months are marked as Citibanamex-only in the calculator.
Manual credit-card payoff mode is generic debt math from a balance, APR, and monthly payment you enter. It is not an official PayPal financing offer. PayPal Credit Card / PayPal Credit digital line special financing may apply on purchases of $149+ subject to approval and terms; users should enter their actual offer terms. Pay Later currency conversion may apply if PayPal converts the checkout amount into the local plan currency.
FAQ
Why not list every possible PayPal product here?
SellerMaths currently includes the main PayPal fee calculator, international fee calculator, invoice fee/profit calculator, exchange-rate calculator, instant-transfer calculator, Pay Later calculator, tax calculator, and donation fee calculator. New tools can be added when their sources and rules are ready.
Are exchange rates exact?
No. PayPal exchange-rate results are estimates unless the user enters the actual PayPal rate shown at checkout.