Policy Updates


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Policy Updates




Changes to PayPal Legal Agreements

Effective date: 13 November 2018

PayPal is changing some of its Legal Agreements with effect from 13 November 2018. We’ve created this policy update to help you understand the material changes. By continuing to use our services 13 November 2018, you are agreeing to the changes. If you decide not to accept the changes, you can notify us before 13 November 2018 to close your account.



New Clause 1.5

A new Clause 1.5 shall be added

1.5 Presentation of PayPal

You agree to provide equal treatment to PayPal and/or other payment methods or marks you offer at your points of sale (e.g. websites or mobile applications). This includes at least equal or substantially similar: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale.

In representations to your customers or in public communications, you agree not to mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal.  Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method.  If you enable your customers to pay you with PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.

Change in Clause 1.3

Clause 1.3 of the User A is amended and the clause shall read as follows

If your credit card number or expiration date changes, we may update it without any action on your part and we may acquire such updated information from a third party including our financial services partner, the card networks, and your bank or card issuer.   If you do not want us to update your card information, you may contact your issuer to request this or remove your Payment Method from your PayPal Account. If we update your Payment Method, we will keep any preference setting attached to such Payment Method


Change in Personal Payment Fee

We will make some changes in the Personal Payments Fee and the following table shall apply for calculating Personal Payments Fee

Personal Payments Fee


Country / region of Sender

Country / region of Recipient

Personal Payments Fee when Payment Method is exclusively Balance or Bank

Personal Payments Fee when another Payment Method is used to fully or partially fund the payment, including a credit or debit card. If you use another Payment Method to partially fund the payment, the Fee will be pro rated.

Sending or Receiving Domestic Payments

Andorra, Croatia, Iceland, Monaco (see Note)




Where Available

Where Available


3.4% + Fixed Fee

Sending or Receiving International Payments

Andorra, Croatia, Iceland and Monaco 

United States, Canada, Northern Europe*, Europe I**, or Europe II***

1.99 EUR

1.99 EUR

Any other country

3.99 EUR

3.99 EUR

Albania, Bosnia, Herzegovina, Macedonia, Moldova, Montenegro and Ukraine 

United States, Canada, Northern Europe*, Europe I**, or Europe II***

1.99 EUR

1.99 EUR + 3.4% + Fixed Fee

Any other country / region

3.99 EUR

3.99 EUR + 3.4% + Fixed Fee


New Zealand

Any country / region

6.99 NZD

6.99 NZD + 3.4% + Fixed Fee

Any Other Country / region

Any Other Country / region

4.99 USD

4.99 USD + 3.4% + Fixed Fee


* Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

*** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Switzerland, Ukraine.

Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.