Ecommerce fees · New Zealand
PayPal fee calculator, New Zealand.
See the fee and what you keep on any sale, or work backwards from the amount you want to receive to the price you need to charge. Rates are PayPal’s published New Zealand rates in NZD, retrieved October 2026, and every field is editable.
Sale and rate
Result
How it is calculated
Fee = price × (percentage fee + any currency-conversion percentage) + fixed fee, rounded to the cent. You keep = price − fee. Price to charge for a target amount = (target + fixed fee) ÷ (1 − total percentage), rounded up to the cent and then checked so the net is never below the target.
Worked example: at 3.4% + $0.45 (domestic commercial transaction), a $100.00 sale costs $3.85, so you keep $96.15. To receive exactly $100.00 you charge $103.99, which carries a $3.99 fee.
Rates used (retrieved October 2026)
- Domestic commercial transaction: 3.4% + $0.45
- International commercial transaction: 4.4% + $0.45
- Currency conversion, standard case (3.0%)
- Currency conversion, sending or late-refund case (4.0%)
Source
PayPal New Zealand pricing: www.paypal.com/nz/business/paypal-business-fees, retrieved 2026-10. PayPal’s New Zealand page does not list New Zealand by name in its rate tables; the 3.40% domestic and 4.40% international commercial rates are from the “All other markets” rows, and the NZ$0.45 fixed fee is from the New Zealand dollar row. Confirm in your own PayPal account. The 3.0% and 4.0% currency-conversion figures come from PayPal’s conversion tables; which one applies depends on the type of conversion, so pick the one your account shows. PayPal lists an NZ$15.00 card chargeback fee in its “All other markets” table. It is not added to the sale calculation.
PayPal changes prices and offers custom rates, so confirm on PayPal’s page before deciding. This is an estimate, not financial advice, and is not affiliated with or endorsed by PayPal.
FAQ
What does PayPal charge in New Zealand?
On PayPal’s own pricing page, retrieved October 2026, the first rate is domestic commercial transaction at 3.4% + $0.45 per transaction. Other card types and currency conversion add to it; every rate is listed on this page and editable above.
How do I work out the price to charge so I receive an exact amount?
Divide the amount you want plus the fixed fee by one minus the percentage rate. At 3.4% + $0.45, receiving $100.00 means charging $103.99 (fee $3.99). The calculator rounds to the cent and checks that the net is never below your target.
Are these PayPal fees guaranteed?
No. They are the published standard rates as of October 2026. PayPal can change them, and your account may have custom pricing, so check your own account before quoting. This is an estimate, not PayPal advice.
Does this include tax, disputes or payout fees?
No. Tax on fees, dispute fees, payout fees and volume discounts are not part of the sale calculation. Dispute fee for reference: $15.00.