Fees depend on whether a commercial transaction, a PayPal business payment or a personal transaction is made. A “Commercial Transaction” involves buying and selling goods and services, or payments received when you “request money” using PayPal. ”Personal Transaction“ involves sending money (initiated from the “Personal” tab of the “Send Money” flow) to, and receiving money into your PayPal Account from, friends and family without making a purchase (that is, the payment is not for goods or services). If you are selling goods or services, you may not ask the buyer to send you a Personal Transaction payment for the purchase. If you do so, PayPal may remove your ability to accept any or all payments for Personal Transactions. When sending a Personal Transaction payment, the sender can decide whether they or the recipient will pay the respective fee. In most cases, the sender will decide to bear the fees. If this is not the case, the recipient will have to pay the fees when accepting the payment. Please note that Indian registered Accounts may neither send nor receive personal transaction payments, and that the functionality of sending personal transaction payments from a German PayPal Account may not be available in all circumstances and from all kinds of devices.

A “Domestic Transaction“ is a transaction where both the sender and receiver execute a payment between PayPal Accounts registered in the same country or region. A “Cross Border Transaction“ occurs when the sender and receiver execute a payment between PayPal Accounts which are not registered in the same country or region.

Note: reference to a percentage fee rate below refers to an amount equal to that percentage of the payment transaction amount.

1. Personal Transactions
   
   When sending a Personal payment, the sender can decide whether they or the recipient will pay the respective fee. In most cases, the sender will decide to bear the fees. If this is not the case, the recipient will have to pay the fees when accepting the payment. If you send a personal payment from a third party (non PayPal) website or application then the third party will determine if the sender or recipient of a personal payment will pay the transaction fee. This will be disclosed to you by the third party.
   
   A Mobile Payment is a Personal Payment which is sent from the sender’s portable device (e.g. mobile phone) to the recipient’s portable device. When sending a Mobile Payment, the sender cannot decide whether they or the recipient will pay the respective fee but the recipient will have to pay the respective fees when accepting the payment.
   
   
   The Personal Transaction fee will be shown at the time of payment.
   
   a. Domestic Personal Transactions
   

   Transaction type	Activity	Fee for payment fully funded by: - PayPal Balance - Bank	Fee for payment fully or partially funded by - Credit Card
   Domestic Personal Transaction	Sending or Receiving	Free (when no currency conversion is involved)	3.4% + Fixed Fee (see table below)

   b. Cross-border Personal Transactions
   
   To determine the fee for a Cross Border Personal Transaction payment sent to a user in a specific country please follow the steps below. Note that either the sender or the recipient pays the fee, not both. In most cases, the sender decides who pays the fee. Please refer to the above introduction on Personal Payments for more information.
   
   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	Sender’s Country	Fee for payment fully funded by PayPal balance or bank account	Fee for payment fully 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, Norway, Portugal, Romania, Russia, 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
   Australia	Anywhere	1.0%	3.4% + Fixed Fee
   Brazil	Anywhere	1.0%	7.4% + Fixed Fee
   Japan	Anywhere	0.3%	3.9% + Fixed Fee
   U.S. and Canada	Anywhere	1.0%	3.9% + Fixed Fee
   All other countries	Anywhere	0.5%	3.9% + Fixed Fee

   * Northern Europe: Denmark (including Greenland and Faroe Islands), Finland, 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, Serbia, 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 (based on payment currency)

   The Fixed Fee is based on the currency received as follows: Argentine Peso: 2.00 ARS Australian Dollar: 0.30 AUD Brazilian Real: 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 HUF Israeli New Shekel: 1.20 ILS Japanese Yen: 40 JPY Malaysian Ringgit: 2 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.

2. Commercial Transactions

   Activity	Fee
   Sending (Buying)	Free (when no currency conversion is involved)
   Receiving (Selling) for Domestic Payments	3.4% + Fixed Fee (see table below) Merchant rate may be granted only upon separate application. Will be evaluated on a case-by-case basis and requires, inter alia, a qualifying monthly sales volume, an average shopping cart of a particular size and an account in good standing): Monthly sales with PayPal between 4,001 and 16,000 CHF: 2.9% + Fixed Fee (see table below) Monthly sales with PayPal between 16,001 and 80,000 CHF: 2.7% + Fixed Fee (see table below) Monthly sales with PayPal between 80,001 and 160,000 CHF: 2.4% + Fixed Fee (see table below) Monthly sales with PayPal of more than 160,000 CHF: 1.9% + Fixed Fee (see table below)
   Fixed Fee	The Fixed Fee is based on the currency received as follows: Argentine Peso: 2.00 ARS Australian Dollar: 0.30 AUD Brazilian Real: 0.40 BRL Canadian Dollar: 0.30 CAD Czech Koruna: 10.00 CZK Danish Krone: 2.60 DKK Euro: 0.35 EUR Hong Kong Dollar: 2.35 HKD Hungarian Forint: 90 HUF Israeli Shekel: 1.20 ILS Japanese Yen: 40 JPY Malaysian Ringgit 2 MYR Mexican Peso: 4.00 MXN New Zealand Dollar: 0.45 NZD Norwegian Krone: 2.80 NOK Philippine Peso: 15.00 PHP Polish Zlotych: 1.35 PLN Russian Ruble^: 10.00 RUB^ Singapore Dollar: 0.50 SGD Swedish Krona: 3.25 SEK Swiss Franc: 0.55 CHF Taiwan New 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
   Receiving (Selling) of cross-border payments	Receiving (selling) of domestic payments plus a cross border fee depending on sender (buyer) country. (Please refer to the table below) Buyer Country Corridor Cross border fee Northern Europe* 0.4% Europe I/ US/ Canada** 0.5% Europe II*** 1.0% Rest of World 1.5% * Denmark (including Greenland and the Faroe Islands), Finland, Iceland, Norway, Sweden ** Austria, Belgium, Canada, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Isle of Man, Italy, Luxembourg, Malta, Monaco ^^, Montenegro^^, Netherlands, Portugal, Reunion, San Marino, Slovakia, Slovenia, Spain, United Kingdom, United States, Vatican City State *** Andorra, Albania, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Macedonia^^, Moldova^^, Poland, Romania, Russian Federation, Serbia, Switzerland, Turkey, Ukraine Note: Cross border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments. ^^ Buyers in these countries cannot open a PayPal Account but can make PayPal payments using their credit cards on certain merchants’ websites.

3. Additional Fees

   Activity	Processing Fee
   Currency Conversion Fee	For currency conversions that occur within your PayPal account outside and/or prior to a Personal or Commercial Transaction (“In Account”) (converting balances to other currencies before withdrawal for example), as well as for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee: 2.5% above the wholesale exchange rate For all other transactions that involve a currency conversion and for which the seller has not agreed to bear the conversion fee: Between 3.0% and 4.0% above the wholesale exchange rate depending on the currency into which the amount is converted. (please refer to the table below). CURRENCY CODE PROCESSING FEE Argentine Peso: ARS 4.0% Australian Dollar: AUD 4.0% Brazilian Real: BRL 4.0% Canadian Dollar: CAD 3.0% Czech Koruna: CZK 3.5% Danish Krone: DKK 3.5% Euro: EUR 3.5% Hong Kong Dollar: HKD 4.0% Hungarian Forint: HUF 3.5% Israeli Shekel: ILS 4.0% Japanese Yen: JPY 4.0% Mexican Peso MXN 4.0% Malaysian Ringgit MYR 4.0% New Zealand Dollar: NZD 4.0% Norwegian Krone: NOK 3.5% Philippine Peso: PHP 4.0% Polish Zlotych: PLN 3.5% Russian Ruble^: RUB 3.5%^ Singapore Dollar: SGD 4.0% Swedish Krona: SEK 3.5% Swiss Franc: CHF 3.5% Taiwan New Dollar: TND 4.0% Thai Baht: THB 4.0% Turkish Lira: TRY 3.5% U.K. Pounds Sterling: GBP 3.5% U.S. Dollar: USD 3.0% ^ Subject to the commencement of PayPal’s Russian Ruble service
   Credit Card Chargeback Fee To cover the cost of processing chargebacks, PayPal assesses a Chargeback Fee to sellers for credit card payment chargebacks. (A chargeback may occur when a buyer rejects or reverses a charge on his or her card through the card issuer). This Fee does not apply if the transaction is covered by PayPal’s Seller Protection Programme.	The Chargeback Fee is as follows and is based on the currency received as follows: Argentine Peso: 80.00 ARS Australian Dollar: 22.00 AUD Brazilian Real: 35.00 BRL Canadian Dollar: 20.00 CAD Czech Koruna: 400.00 CZK Danish Krone: 120.00 DKK Euro: 16 EUR Hong Kong Dollar: 155.00 HKD Hungarian Forint: 4325 HUF Israeli Shekel: 75.00 ILS Japanese Yen: 1,875 JPY Mexican Peso: 250.00 MXN Malaysian Ringgit 65.00 MYR New Zealand Dollar: 28.00 NZD Norwegian Krone: 125.00 NOK Philippine Peso: 900.00 PHP Polish Zlotych: 65.00 PLN Russian Ruble^: 640 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
   Commercial Transaction Refund Fee	If you refund a Commercial Transaction payment, we will retain the Fixed Fee portion of the Commercial Transaction Fee. The buyer’s Account will be credited with the full Commercial Transaction payment amount. Your Account will be charged with the amount initially credited to your Account in connection with the Commercial Transaction payment and the Fixed Fee portion of the Commercial Transaction Fee
   Sending Payments through PayPal Mass Payments	2% per transaction A maximum fee cap per individual payment applies as follows for domestic transactions, (based on payment currency): Argentine Peso: 25 ARS Australian Dollar: 8 AUD Brazilian Real: 15 BRL Canadian Dollar: 8 CAD Czech Koruna: 150 CZK Danish Krone: 45 DKK Euro: 7 EUR Hong Kong Dollar: 55 HKD Hungarian Forint: 1550 HUF Israeli Shekel: 28 ILS Japanese Yen: 670 JPY Mexican Peso: 90 MXN Malaysian Ringgit 25 MYR 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: 55 SEK Swiss Franc: 8 CHF Taiwan New Dollar: 225 TWD Thai Baht: 235 THB Turkish Lira: 12 TRY U.K. Pounds Sterling: 5 GBP U.S. Dollar: 8 USD ^ Subject to the commencement of PayPal’s Russian Ruble service A maximum fee cap per individual payment applies as follows for all other transactions (based on payment currency): Argentine Peso: 150 ARS Australian Dollar: 50 AUD Brazilian Real: 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 Mexican Peso: 540 MXN Malaysian Ringgit: 150 MYR 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 ^ Subject to the commencement of PayPal’s Russian Ruble service Note: For cross border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA the domestic cap will apply.
   Records Request Fee	12.00 EUR (per item) This Fee will apply for requests of information relating to why we had reasonable justification to refuse your Payment Order. We will not charge you for records requested in connection with your good-faith assertion of an error in your Account.
   Bank Return Fee on Withdrawal This amount is charged when a withdrawal is attempted by a User and it fails because incorrect bank account information or delivery information is provided.	5 CHF
   Charity Pricing	Subject to application and pre-approval by PayPal. Domestic rate: 1.9% + Fixed Fee per each payment transaction. Fixed Fee for Charity Pricing (depending on the payment currency received): Argentine Peso: 2.00 ARS Australian Dollar: 0.30 AUD Brazilian Real: 0.40 BRL Canadian Dollar: 0.30 CAD Czech Koruna: 10.00 CZK Danish Krone: 2.60 DKK Euro: 0.35 EUR Hong Kong Dollar: 2.35 HKD Hungarian Forint: 90 HUF Israeli Shekel: 1.20 ILS Japanese Yen: 40 JPY Malaysian Ringgit: 2 MYR Mexican Peso: 4.00 MXN New Zealand Dollar: 0.45 NZD Norwegian Krone: 2.80 NOK Philippine Peso: 15.00 PHP Polish Zlotych: 1.35 PLN Russian Ruble^: 10.00 RUB^ Singapore Dollar: 0.50 SGD Swedish Krona: 3.25 SEK Swiss Franc: 0.55 CHF Taiwan New 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 Cross Border rate: the Cross Border Fee for Charity Pricing is the same as the Fee for Receiving Cross Border Commercial Transaction payments. Note: For Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA the Domestic rate will apply.

4. Micropayment Pricing
   

   Based on application and pre-approval by PayPal, you may upgrade an existing account please contact us if you want to do that. This rate will apply to all Commercial Transaction payments received into your PayPal account.

   Activity	Fee
   Receiving payments in Switzerland in CHF	5% + 0.09 CHF	Not applicable
   Receiving payments from other countries or in other currencies	6% + Fixed Fee	Fixed Fee for micropayment pricing (depending on the payment currency received): Argentine Peso: 0.80 ARS Australian Dollar: 0.10 AUD Brazilian Real: 0.20 BRL Canadian Dollar: 0.10 CAD Czech Koruna: 3.34 CZK Danish Krone: 0.86 DKK Euro: 0.10 EUR Hong Kong Dollar: 0.78 HKD Hungarian Forint: 30 HUF Israeli Shekel: 0.40 ILS Japanese Yen: 14 JPY Malaysian Ringgit 0.34 MYR Mexican Peso: 1.10 MXN New Zealand Dollar: 0.16 NZD Norwegian Krone: 0.94 NOK Philippine Peso: 4.64 PHP Polish Zlotych: 0.80 PLN Singapore Dollar: 0.16 SGD Swedish Krona: 1.08 SEK Swiss Franc: 0.18 CHF Taiwan New Dollar: 4 TWD Thai Baht: 3.36 THB U.K. Pounds Sterling: 0.10 GBP U.S. Dollar: 0.10 USD

   We may make a charge for any additional services we provide outside this Agreement. We will tell you of those charges when you ask for the service.

5. Due dates, taxes and third-party fees. All quoted fees are due immediately. All fees are payable by you without set off or other deductions. Quoted fees are inclusive of all applicable taxes. Other taxes or costs may exist that are not paid through PayPal or imposed by us. You are liable for telephone charges and any charges made by your internet service provider or similar or associated charges as a result of the use by you of the Services. You agree that we can deduct our Fees from the amounts we transfer but before those funds are credited to your Account.