PayPal Fees in Italy (2026): The Eurozone's Expensive End

By the Profitvana Editorial Team · Updated August 2026

There is no single eurozone PayPal rate, and Italy is on the wrong side of that fact. An Italian business pays 3,40% where a French or Spanish one pays 2,90% for an identical transaction — a 17% difference in cost that appears on no comparison chart. Here are the 2026 numbers.

The rate card

A commercial transaction costs 3,40% plus a fixed 0,35 €. The surcharge above that depends on where the buyer's account sits:

So a 100 € order costs 3,75 € from an EEA buyer, 5,04 € from a British one, and 5,74 € from an American one.

Buyer's account	Surcharge	Total rate	Fee on 100 €
Italy / EEA	—	3,40% + 0,35 €	3,75 €
United Kingdom	+1,29%	4,69% + 0,35 €	5,04 €
Rest of world	+1,99%	5,39% + 0,35 €	5,74 €

What the eurozone spread costs an Italian seller

PayPal prices each euro-area market separately, and the gap is not trivial:

On 100.000 € of annual PayPal volume, an Italian business pays roughly 500 € more than a French one for the same transactions. It is not something you can negotiate or reroute — but it is worth knowing when you are deciding how prominently to offer PayPal at checkout.

Country	Domestic rate	Fee on 100 €
France / Spain	2,90% + 0,35 €	3,25 €
Germany	2,99% + 0,39 €	3,38 €
Italy / Netherlands	3,40% + 0,35 €	3,75 €

The sub-5 € tier is the one place Italy wins

Payments under 5,00 € are charged 5,0% + 0,10 € domestically, or 6,0% + 0,10 € internationally, instead of the standard rate.

Because the fixed fee drops from 0,35 € to 0,10 €, small sales become dramatically cheaper: a 3 € sale costs 0,25 € instead of 0,45 €. At that size the percentage barely matters and the fixed fee is nearly everything.

For Italian sellers of low-value digital goods this changes what is viable — and it applies automatically, with no programme to join.

Sale	Standard structure	Sub-5 € structure
2 €	0,42 €	0,20 €
3 €	0,45 €	0,25 €
4,50 €	0,50 €	0,33 €

The alternative costs less than half

Conversion, where PayPal performs it, is 3,0% above the base exchange rate on the full amount.

Set against card acceptance the gap is stark: Stripe charges 1,5% + 0,25 € on an EEA card anywhere in the euro area, Italy included. That is 1,75 € on a 100 € sale against PayPal's 3,75 €.

The honest conclusion is the same one that holds across Europe: offer PayPal because some customers will not check out without it, price it in, and do not make it the default button.

Frequently asked questions

How much does PayPal charge in Italy?

3,40% plus a fixed 0,35 € for a commercial payment from an Italian or other EEA account. UK-funded payments add 1,29% and rest-of-world payments add 1,99%.

Why is PayPal more expensive in Italy than in France?

PayPal prices each euro-area country separately. Italy and the Netherlands are 3,40% + 0,35 € while France and Spain are 2,90% + 0,35 € and Germany is 2,99% + 0,39 € — for the same transaction.

Is there a cheaper rate for small payments in Italy?

Yes. Payments under 5,00 € are charged 5,0% + 0,10 € domestically rather than 3,40% + 0,35 €, so a 3 € sale costs 0,25 € instead of 0,45 €.

How much cheaper is card acceptance than PayPal in Italy?

Roughly half. Stripe charges 1,5% + 0,25 € on an EEA card against PayPal's 3,40% + 0,35 € — 1,75 € against 3,75 € on a 100 € sale.

PayPal fees in other countries

PayPal prices every market differently — the same sale can cost twice as much depending on where your business is registered. We verify each of these against PayPal’s own published fee page for that country:

Sources

PayPal Italy merchant fees (official)