PayPal Fee Rate Update Log

Checked the article against the US invoice fee schedule dated October 1, 2026. This article review does not refresh other markets or existing scoped rate-review dates.

All four net-target and gross-invoice examples are checked against the existing FeeEngine. No fee values or calculation rules changed.

Preserved the supplied article, added blog and calculator backlinks, and included the canonical article URL in the sitemap without build-time modification dates.

Each $100, $500 and $1,000 invoice net target now compares all four US payment methods and opens a reproducible scenario.

Invoice results expose the engine rule ID and version, include them in copied results, and link to methodology. Custom rates remain modeled.

Personal instant withdrawal pricing is available only for US accounts in USD. Other personal markets remain unsupported rather than inheriting business rates.

Existing business rates and scoped review dates are unchanged. Fee estimates do not verify destination eligibility or enforce withdrawal ceilings.

US personal instant withdrawals use 1.75%, a $0.25 minimum and a $25 maximum, for eligible linked bank accounts or debit cards with no currency conversion.

The source page is dated May 19, 2026; October 10 is our verification date, not an asserted fee effective date.

US business withdrawal terms were cross-checked and retained separately. This review does not cover non-US personal withdrawals or refresh other merchant data.

Relevant US source sections were checked for these additions on October 10. Existing rate values, rule versions and scoped verification dates are unchanged; this is not a worldwide source refresh.

Examples reuse the calculation engines. Exchange-rate quotes and dispute case amounts are hypothetical, not live PayPal quotes or customer transactions.

The instant calculator remains business-only. Personal-account pricing and published withdrawal ceilings are explanatory comparisons, not eligibility checks.

Rule IDs belong to this site. Source updates, local mapping corrections, verification dates and fee effective dates are distinguished. Existing URLs and Spanish content are unchanged.

The existing 34 page URLs and English, Spanish and default-language alternates are unchanged.

Regression checks cover route completeness, duplicate URLs, language alternates and the robots.txt sitemap declaration.

No fee data, calculation rules or source verification dates changed. Existing source reviews are retained; no new PayPal source review is claimed.

Existing scoped examples, shared question presentation and invoice example reset behavior are retained.

Static export checks now require a calculator anchor before every direct-answer module, including the invoice loading state.

No fee rules, source review dates, metadata or indexing settings changed.

Examples use the existing calculation engine and specify the payment flow, account type, currency and exclusions. The invoice link restores the stated US Checkout net-target scenario.

Checked the relevant US merchant and consumer source sections against these examples. No rate values, worldwide review dates or effective dates changed; the original scoped review records remain in use.

Currency conversion uses explicitly hypothetical quotes without a live-rate or official-quote claim. Static export checks cover all 15 affected calculator routes.

No fee rates, calculation rules, URLs or source verification dates changed. This is a content and navigation clarification, not a new worldwide rate review.

Goods & Services, Checkout and invoicing remain separate payment paths. Instant withdrawal estimates remain business-account estimates; personal-account pricing and withdrawal eligibility are not added.

Invoice examples use the existing engine and open the matching scenario. Cross-border receipts and standalone exchange-rate comparisons remain separate tools.

Competitor comparisons remain modeled research rather than current processor quotes. Existing Spanish copy is unchanged.

The US schedule distinguishes PayPal/Guest Checkout dispute fees from chargeback fees for card transactions not processed through those paths; fee currency and applicable rate type differ.

The User Agreement describes dispute-fee eligibility and exemptions, and says the separate chargeback fee may apply regardless of the cardholder outcome.

The calculator does not select an official fee automatically. Unknown fees or pending funds reversals do not become a confirmed zero loss.

No tracked fee table changed. Other markets remain unverified for this dispute model, and user-entered case amounts are not PayPal quotes.

The October 9 US merchant source review remains the merchant verification date; this maintenance change does not redate other markets.

Personal-transfer review copy and the donation article source-update label now read the shared records, removing independently maintained dates.

Regression coverage includes Checkout, Goods & Services, sender-paid personal card transfers, minimum invoice gross-up, ACH caps, retained refund fees, unsupported paths and cross-border fee components.

Release builds require source and data review records, calculation and content regressions, a matching change log, and rendered-page checks. Corresponding Spanish pages share these checks.

The US domestic USD card-funded example charges the sender $3.20 for sending $100; the recipient receives $100 without conversion.

Conditional availability, unsupported accounts and markets, fee-currency restrictions and conversion exclusions remain explicit. A country selector is not a guarantee of service availability.

This entry documents the existing October 10 personal-payment review. It does not extend the October 9 merchant review or establish effective dates for individual fees.

Unknown combinations no longer inherit US, Checkout or Australian corridor rates. Unsupported does not mean free.

Invoice payment methods share rule identities with fee comparison results. Custom rates, competitor assumptions, refund policies and user FX quotes retain modeled evidence.

This is a calculation and provenance migration, not a new worldwide fee review. Original per-market verification dates are retained.

Existing public source review entries remain unchanged. The corresponding Spanish calculators use the same engine.

October 1 is the official source update date; October 9 is the site review date. This review does not establish when each individual rate changed.

Corrected the USD fixed fee for standard card payments from $0.29 to $0.49, including the card-based international scenario.

Corrected the all-other-APMs USD fixed fee from $0.19 to $0.29. Named APM products and payment links/buttons have separate pricing and are not represented by this row.

The remaining tracked US merchant rows were checked and retained. Consumer fees, modeled assumptions, and other markets were not re-reviewed.

Shared calculator and evidence changes also apply to the corresponding Spanish pages. Earlier log entries and article publication dates remain historical records.

The shared Latin America schedule was last updated by PayPal on May 28, 2026; Mexico on July 15, 2026; and Brazil on July 16, 2025.

Mexico’s published percentages and fixed fees are subject to VAT, so the tracked labels state that VAT is not included.

Regional markets use USD as the tracked default because the shared PayPal schedule publishes its commercial fixed fee and merchant tiers in USD.

Brazil Pix receivables are not mapped because their minimum percentage charge plus settlement fee cannot be represented accurately by the current single-rate model.

The changes improve task clarity and heading semantics without changing fee calculations or tracked rate values.

The comparison page remains clearly labeled as a mixed tracked-rate and modeled-assumption research page.

The compare page remains available as a supporting research page but is no longer included in the public sitemap for the PayPal-only edition.

Trust, methodology, and update-log pages now expose clearer ownership and review-cycle context.

Tracked source coverage includes US, UK, FR, DE, ES, IT, NL, IE, CA, AU, SG, and HK.

Evidence panels were added so users can distinguish official direct mappings from modeled scenarios.

The site moved from generic static rate assumptions toward tracked PayPal source mapping.