If you want to avoid paying PayPal consumer fees, there are a few things you can do. First, try to use your PayPal balance or bank account to send or receive money so you don't pay card fees.
Also, always try to pay in the local currency of the seller or recipient , so you can avoid conversion fees. You can also use a credit or debit card that does not charge foreign currency transaction fees, such as the Revolut card or the N26 card. Finally, you can use other online payment services that have lower or no fees, such as TransferWise or Skrill.
Commissions for merchants
If you use PayPal to sell goods or services , receive payments via QR codes, or conduct direct mail mortgage marketing any other type of business transaction, you will be charged fees to PayPal. Merchant fees depend on the type of transaction, sales volume, customer country, and payment method. In general, merchant fees are a percentage of the transaction total plus a flat fee.
Domestic Trade Transaction Fees
Domestic commercial transaction fees are those that apply when both the seller and the customer are registered or identified by PayPal as resident in the European Economic Area (EEA) .
Domestic merchant transaction fees vary based on payment method and sales volume. The standard fee for receiving payments for domestic transactions is 3.4% plus a flat fee of 0.35 euros per transaction.
However, if your monthly sales volume exceeds 2,500 euros, you can access reduced rates, ranging from 2.9% to 1.9% plus the flat rate. In addition, if you receive payments via QR codes , the fees are even lower: 0.5% plus the flat rate for transactions equal to or greater than 10.01 euros, and 2% plus the flat rate for transactions equal to or less than 10 euros.
Finally, if you receive card payments from a user who does not have a PayPal account, the commission is 1.2 % plus the flat fee.