PayPal Canada Fee Calculator
Calculate exact PayPal Canada deductions in CAD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
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Net payout kept
C$96.80
12-month fee total (50 orders/mo)
C$1,920.00/year
Ideal merchant profile
Canadian freelancers and e-commerce merchants billing US & CA clients. Typical settlement window: 3–5 business days to Canadian bank.
Fee schedule watchout
Withdrawing USD balances into a CAD bank account forces PayPal currency conversion (~3.5% spread).
PayPal Canada (CA) payout & reverse-invoice schedule
Pre-calculated CAD payouts comparing domestic cards (2.9% + C$0.30) against cross-border FX payments (7.40% + C$0.30).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| C$25 | -C$1.02 (4.1%) | C$23.98 | -C$2.15 (8.6%) | C$26.06 |
| C$100 | -C$3.20 (3.2%) | C$96.80 | -C$7.70 (7.7%) | C$103.30 |
| C$500 | -C$14.80 (2.96%) | C$485.20 | -C$37.30 (7.46%) | C$515.24 |
| C$2,500 | -C$72.80 (2.91%) | C$2427.20 | -C$185.30 (7.41%) | C$2574.97 |
| C$10,000 | -C$290.30 (2.9%) | C$9709.70 | -C$740.30 (7.4%) | C$10298.97 |
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Common questions: PayPal Canada (Canada)
How much does PayPal Canada take from C$100 in Canada?
On a domestic C$100 CAD transaction, PayPal Canada deducts C$3.20 (2.9% + C$0.30), leaving C$96.80 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach C$7.70 (7.7%).
How much should I invoice to receive C$100 after PayPal Canada fees?
To net an exact C$100.00 after domestic PayPal Canada processing fees, charge C$103.30. On cross-border FX transactions, charge C$108.32.
Does PayPal Canada handle VAT, GST, and US sales tax automatically?
No. PayPal Canada is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).
Why are PayPal Canada effective fees higher on C$10 micro-orders?
Because the fixed C$0.30 per-charge fee applies regardless of cart size. On a C$10 order, PayPal Canada takes C$0.59, resulting in a 5.9% effective deduction.