Yes, you can absolutely send money from a Canadian PayPal account to a U.S. PayPal account, just like a domestic transfer, but you'll encounter currency conversion fees and potentially transaction fees, which vary depending on your funding source (bank, card) and the amount sent. The process involves logging in, selecting "Send & Request," entering recipient details, choosing currency (CAD to USD), and reviewing costs before sending, with fees including a fixed amount plus a percentage commission on the converted funds.
Send money securely to the US
Send money with PayPal in a fast and safe manner to the US from Canada. You will be notified in app when funds have been sent and are on their way to your recipient.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money.
PayPal charges a currency conversion fee of 3.5% for USD or CAD and 4% for currencies other than these.
For a $1000 transaction, PayPal fees vary significantly: for domestic goods & services, it's about $30.29 (2.99% + $0.30 fixed), but for personal payments funded by bank/balance, it's free, while credit/debit cards incur around $29.30 (2.9% + $0.30) for domestic. International fees are higher, and rates depend on transaction type (business vs. personal), funding source (card vs. bank), and location, so always check the official PayPal site.
To send money on PayPal without fees in the US, use the "Friends & Family" option, select "PayPal Balance" or a linked bank account as the funding source, and ensure the transaction stays domestic and in USD; using a credit/debit card or sending internationally will incur fees.
Click Send & Request. Enter the recipient's name, email, or phone number. Click Next. Enter the amount, choose the currency, and add a note if needed.
Third-party money transfer services
Your bank may offer Zelle, or you can use popular apps and services such as PayPal, Venmo, Wise, Western Union or MoneyGram. Generally, wire transfers are more expensive than using a service like PayPal, Venmo, Wise or Zelle.
Best ways to send money to the USA with WISE
Online money transfer services, including options like interac-e transfer from Canada to the US, have become increasingly popular for good reason. These platforms allow you the luxury of sending money globally anywhere, anytime. You don't need to visit your bank and the money transfer takes 24 to 48 hours.
If you want to send money to someone in the US, you would have to make global or international transfers through your bank. Interac e-transfer same-day transfers are only available from one Canadian bank account to another.
You can send money abroad to another PayPal account just like you would domestically: Open the app and log in to your account. Choose "Send and Request" Enter your recipient's name, PayPal handle, email or mobile number.
You can get a US PayPal account in Canada, but you or your business needs to be registered in the US to qualify. We've put together information about how to set up a US PayPal account for yourself or your business, including the documents you need to apply.
For a $100 domestic transaction in the US, PayPal typically charges sellers around $3.49 (2.99% + $0.49 fixed fee) for goods/services or $3.29 (2.9% + $0.30 fixed fee) if using a linked card for a friends/family payment, though sending to friends/family from a bank or balance is free, while international or different payment methods (like cards for personal) incur higher fees.
For a $1000 transaction, PayPal fees vary significantly: for domestic goods & services, it's about $30.29 (2.99% + $0.30 fixed), but for personal payments funded by bank/balance, it's free, while credit/debit cards incur around $29.30 (2.9% + $0.30) for domestic. International fees are higher, and rates depend on transaction type (business vs. personal), funding source (card vs. bank), and location, so always check the official PayPal site.
Yes, PayPal does protect against scams through its Buyer Protection program (reimbursing eligible purchases that don't arrive or aren't as described) and robust security features, including 24/7 fraud monitoring, data encryption, and strong login security (like passkeys/2FA) to prevent unauthorized access, but users must still be vigilant and report issues promptly.
To minimize fees, request clients to pay via bank transfers or PayPal balance when possible. Also, clearly communicate your payment terms to avoid surprises. Using PayPal's fee calculator tool helps estimate costs before invoicing, ensuring you price your services appropriately.
You're charged an FX conversion fee when you convert funds from CAD to USD or from USD to CAD. The FX conversion fee is applied to the WSII Corporate Exchange Rate. See the WSII Fee Schedule for more details. What currency is the conversion amount per transaction based on?
PayPal performs automatic conversions for payments made in foreign currencies into the primary currency of the seller's account. For example, if you run a business in Canada but receive payments in British pounds, PayPal will convert those funds into Canadian dollars at the point of sale.
PayPal charges fees for receiving money primarily to cover payment processing costs, especially for commercial transactions (goods/services), international payments, and currency conversions, as they operate as a business, not just a free transfer service. Fees depend on whether the payment is personal or commercial, the sender's location, currency, and if credit/debit cards are used, with commercial payments incurring higher rates (around 2.9% + fixed fee) compared to free personal transfers (Friends & Family).
For sending an individual payment to another business's PayPal account internationally (not using Payouts, but as a standard commercial payment), if you are sending money for goods or services, you as the sender do not typically pay a PayPal fee if you fund it with your PayPal balance or bank account (unless a currency ...