The monthly sales volume refers to the total of what was made the month before through PayPal, so the first month will always incur the maximum fee. The rates you’re paying during any given month is based on the sales volume in the previous calendar month.
Higher Merchant fees apply to American Express (2.75% via contactless or chip, 3.4% + 20p via key-in or swipe). Keyed and swiped transactions with Visa, Mastercard and Maestro cost 3.4% + 20p on Blended and interchange rate + 3.15% + 20p on Interchange Plus.
Businesses normally accepting transactions below £5 can apply for the Micropayments rate of 5-6% + 5p. The lower fixed fee will greatly reduce the overall proportion of the transaction fee.
It doesn’t cost anything to transfer (‘withdraw’) money from the PayPal Business account to your UK payment card or bank account associated with the PayPal account, though currency conversion fees apply if the transfer is from a non-GBP balance.
In all cases where your balance or received transaction is converted into a different currency, a currency conversion fee of 2.5% above the base exchange rate is applied.
For outgoing payments, the currency conversion fee is 3.75-4% (depending on recipient currency) above the base exchange rate.
The £14 chargeback fee can also be applied to any business transaction disputed by the buyer, unless covered by Seller Protection.
The only costs associated with the PayPal Business Debit Mastercard is a £1 cash withdrawal fee. It has no monthly fees. You also earn 0.5% cash back on every purchase made with the card, plus there are no foreign exchange fees on international payments in different currencies.
The PayPal Working Capital cash advance only costs a fixed fee deducted from future PayPal transactions alongside the advance repayments.