PayPal

PayPal charges 2.9% + 30c for standard domestic Goods and Services transactions in Australia. This is a flat rate regardless of card type.

PayPal's in-person offering in Australia is limited. The brand is primarily focused on online checkout, and its tap-to-pay or card reader options are not as widely available or integrated as dedicated EFTPOS providers.

Yes. PayPal applies an additional surcharge of +2.1% when the buyer is based outside Australia, on top of the standard domestic transaction rate.

Yes. PayPal's Pay in 4 buy-now-pay-later product is included in the PayPal checkout flow at no additional merchant fee. This can increase conversion for merchants whose customers prefer deferred payment options.

A chargeback or dispute through PayPal incurs a $15 fee per case. PayPal also operates its own buyer protection program, which means some disputes are handled internally rather than through the card network chargeback process.

PayPal charges no monthly fee for its standard online checkout product. You only pay per transaction.

PayPal is best suited to online stores that want a recognisable consumer-facing checkout option alongside other payment methods. Its universal brand recognition can increase checkout conversion, particularly with buyers who prefer not to enter card details on unfamiliar sites. It is not the most cost-effective option for high-volume merchants.

PayPal offers split payment capabilities via its Marketplaces and Platforms API. The platform collects payment from the buyer, deducts its service fee, and routes the remainder to each seller. Sellers are onboarded as connected PayPal accounts and can receive payouts to their PayPal balance or directly to a bank account via the PayPal Payouts product.

The standard transaction rate for Australian marketplace payments is 2.9% plus $0.30 per charge. This is notably higher than some specialist marketplace providers, so high-volume platforms should model total cost carefully before committing.

No. The monthly platform fee is Free with no minimum transaction volume, making PayPal straightforward to get started with at any scale.

PayPal's primary advantage for consumer-facing platforms is brand familiarity. A large share of Australian online shoppers already have a PayPal account and trust the PayPal checkout experience, which can reduce cart abandonment and increase conversion compared to an unknown payment form. This buyer-side recognition is harder to replicate with a white-label provider.

Yes. PayPal includes Fraud Protection tools and Seller Protection policies that cover eligible transactions against unauthorised disputes and item-not-received claims. For marketplace platforms, Seller Protection extends to connected sellers for qualifying transactions, which reduces chargeback liability flowing back to the platform.

PayPal provides a hosted seller onboarding flow. Sellers create or connect an existing PayPal account, complete identity verification within PayPal's managed interface, and are linked to the platform via a permissions grant. The onboarding is relatively straightforward and familiar to sellers who already have a PayPal account.

Yes. PayPal Australia holds an Australian Financial Services Licence and is regulated by ASIC, giving Australian platforms a locally regulated payment partner. This is an advantage over providers that operate in Australia under offshore licences.