Australian PayPal merchants pay 2.6% + A$0.30 for domestic transactions (down from the previous 2.6% + $0.30 rate which was the same). For PayPal Checkout the rate is 3.49% + A$0.49. Cross-border transactions (cards issued outside Australia) add 1.5% on top.
PayPal Australia fee examples (AUD)
| Charge | PayPal Standard | PayPal Checkout | Stripe (AU domestic) |
|---|---|---|---|
| A$25 | A$0.95 (3.8%) | A$1.36 (5.4%) | A$0.74 (2.96%) |
| A$100 | A$2.90 (2.9%) | A$3.98 (4.0%) | A$2.05 (2.05%) |
| A$500 | A$13.30 (2.66%) | A$17.94 (3.6%) | A$9.05 (1.81%) |
BPAY and bank transfer as alternatives
For B2B invoices in Australia, BPAY (bank transfer via BSB + account number) is effectively free for the merchant. For high-value invoices (A$2,000+), offering direct bank transfer alongside PayPal and card can save 2–3% per transaction. Use the invoice calculator to add a "bank transfer discount" line item as an incentive.