{
  "id": "paypal",
  "label": "PayPal commercial transaction rates (US account holders)",
  "source_url": "https://www.paypal.com/us/webapps/mpp/merchant-fees",
  "source_publisher": "PayPal, Inc. (official merchant fees page)",
  "source_last_updated": "2026-09-01",
  "verified_at": "2026-09-04",
  "currency": "USD",
  "international_surcharge": 0.015,
  "notes": "The international surcharge is added on top of the domestic rate when sender and receiver are residents of different markets. Fixed fees are charged in the currency received.",
  "fixed_fee_by_currency": {
    "USD": 0.49, "GBP": 0.39, "EUR": 0.39, "CAD": 0.59, "AUD": 0.59,
    "NZD": 0.69, "SGD": 0.69, "CHF": 0.49, "JPY": 49.0, "HKD": 3.79,
    "SEK": 4.09, "NOK": 3.90, "DKK": 2.90, "PLN": 1.89, "CZK": 9.00,
    "HUF": 149.0, "ILS": 1.60, "MXN": 9.00, "BRL": 2.90, "MYR": 2.00,
    "PHP": 25.0, "THB": 15.0, "TWD": 14.0
  },
  "qr_fixed_fee_by_currency": {
    "USD": 0.09, "GBP": 0.07, "EUR": 0.07, "CAD": 0.11, "AUD": 0.12,
    "NZD": 0.13, "SGD": 0.12, "CHF": 0.08, "JPY": 9.0, "HKD": 0.70,
    "SEK": 0.76, "NOK": 0.77, "DKK": 0.56, "PLN": 0.34, "CZK": 1.90,
    "HUF": 29.0, "ILS": 0.30, "MXN": 1.79, "BRL": 0.50, "MYR": 0.40,
    "PHP": 4.40, "THB": 2.90, "TWD": 3.00
  },
  "micropayments_fixed_fee_by_currency": {"USD": 0.09},
  "payment_types": [
    {"key": "gs", "name": "Send/Receive Money for Goods and Services", "rate": 0.0299, "fixed": "none",
     "note": "This one has NO fixed fee. Many calculators wrongly add $0.49 here."},
    {"key": "checkout", "name": "PayPal Checkout", "rate": 0.0349, "fixed": "standard"},
    {"key": "guest", "name": "PayPal Guest Checkout", "rate": 0.0349, "fixed": "standard"},
    {"key": "venmo", "name": "Pay with Venmo", "rate": 0.0349, "fixed": "standard"},
    {"key": "card", "name": "Standard Credit and Debit Card Payments", "rate": 0.0299, "fixed": "standard"},
    {"key": "paylater", "name": "PayPal Pay Later options", "rate": 0.0499, "fixed": "standard"},
    {"key": "qr", "name": "QR code Transactions", "rate": 0.0229, "fixed": "qr"},
    {"key": "qr_third_party", "name": "QR code via third party integrator", "rate": 0.0229, "fixed": "qr"},
    {"key": "other", "name": "All Other Commercial Transactions", "rate": 0.0349, "fixed": "standard"},
    {"key": "micro", "name": "Micropayments (domestic, US)", "rate": 0.0499, "fixed": "micro"}
  ]
}