Guide · By DQ · October 27, 2026
If you sell from Canada, a US-built “Etsy fee calculator” often understates what you keep. The usual miss is Canada’s Regulatory Operating Fee (ROF) at 0.50%, plus CAD processing (3% + CA$0.25 for CA/US buyers; 4% + CA$0.25 other international). This guide maps the 2026 Canada fee stack with worked CAD examples.
Facts checked against Etsy’s Help Center on October 27, 2026. Confirm live rates in Shop Manager. Broader map: Etsy Fees in 2026: The Full Breakdown.
| Fee | Rate / amount | Base (Help) | Notes for CA sellers |
|---|---|---|---|
| Listing | US$0.20 per listing | Create / auto-renew when expired; multi-qty extras | Fixed USD fees convert to Payment account currency at market rate when reflected |
| Transaction | 6.5% | Item + shipping + gift wrap (listing currency) | Same worldwide |
| Processing (CA bank) | 3% + CA$0.25 | Domestic CA or US orders; total sale incl. shipping + applicable sales tax | Canada Payment account |
| Processing (other intl) | 4% + CA$0.25 | Other international; same tax-inclusive base | Higher non-US international leg |
| ROF (Canada) | 0.50% | Item + shipping + gift wrap (+ personalization if applicable); excludes tax collected by Etsy | With other seller fees; VAT where applicable |
| Currency conversion | 2.5% | Listing currency ≠ Payment account currency | 2.5% guide |
| Offsite Ads | 15% or 12% | Attributed order; max $100/order; ~30-day attribution | Same worldwide; opt-out only below $10k / 365 days |
Sale-based vs real-time: Transaction, processing, ROF, Offsite (when attributed), and related seller VAT generally stay with the sale in Pending. Listing renewals, Etsy Ads, shipping labels, and Plus/Pattern hit Current immediately.
Help lists Canada ROF at 0.50% on item price + shipping + gift wrap (and personalization if applicable). Tax collected by Etsy is excluded. The fee appears in your Payment account with other seller fees and is subject to VAT where applicable.
Canada’s ROF was previously higher; Help today shows 0.50%. Seller messaging in 2026 described a cut from older rates (including 1.15% in DST-related notes)—cite Help 0.50% as current. On a CA$48 order, ROF is CA$0.24; US-only models that omit it understate every Canadian sale.
Official pages: What is a Regulatory Operating Fee · Fees and Taxes.
For a Canada bank account, Help states:
CA and US buyers share 3% + CA$0.25; other international often hits 4% + CA$0.25. Source: Payment Processing Fees.
Listing create and auto-renew when expired cost US$0.20 per listing. Fixed USD fees convert into your Payment account currency at the market rate when reflected—so CAD impact is not a locked CA$0.20. Treat renewals as a separate USD→CAD overhead line; they hit Current when charged, not the Pending sale pile.
Offsite is not Canada-special: 15% if the shop never hit US$10,000 in any 365-day period (opt-out available); 12% mandatory for life once hit; fee never exceeds $100 per order; ~30-day attribution. One attributed Offsite order can dwarf ROF—model 0% / 15% / 12% scenarios. Details: Offsite Ads Explained.
Assume CAD listing currency, Canada Payment account, no Offsite, no sales tax, CA or US buyer.
Order base: item CA$40 + shipping CA$8 = CA$48.
| Line | Math | Amount |
|---|---|---|
| Transaction 6.5% | 6.5% × 48 | CA$3.12 |
| Processing 3% + 0.25 | 3% × 48 + 0.25 = 1.44 + 0.25 | CA$1.69 |
| ROF 0.50% | 0.50% × 48 | CA$0.24 |
| Subtotal (excl. listing FX & Offsite) | 3.12 + 1.69 + 0.24 | CA$5.05 (~10.5% of CA$48) |
Listing renewal (US$0.20 converted) is separate—do not invent a fixed CAD FX.
Non-US international buyer (same order): processing 4% × 48 + 0.25 = CA$1.92 + 0.25 = CA$2.17. No-Offsite subtotal: 3.12 + 2.17 + 0.24 = CA$5.53. With Offsite 15%: CA$12.73; with 12%: CA$11.29 (before listing FX).
If sales tax is charged: processing base includes tax (Help). Optional: CA$48 + CA$2.40 tax = CA$50.40 → CA/US processing 3% × 50.40 + 0.25 = CA$1.76. ROF still excludes tax collected by Etsy.
Illustrations only. Confirm Payment currency, buyer region, tax, and Offsite in Shop Manager.
Typical gaps: no Canada ROF 0.50%; US processing (3% + $0.25 USD) instead of CAD 3%+CA$0.25 / 4%+CA$0.25; ignoring tax in the processing base; skipping USD listing → CAD on renewals; treating Offsite as optional when the shop is already on mandatory 12%. Etsy’s own earnings estimate also misses pieces sellers care about—see Estimated Earnings Calculator gaps.
Canopio is a free one-order calculator (6.5% on item + shipping, processing, Offsite 12–15%), free listing score; rewrites $2.99/10 or $9.99/40; Shop Audit $9.90 one-time via Etsy OAuth. Independent of Etsy. For Canada, manually add ROF 0.50% and use the CAD processing legs above until your worksheet matches Help.
For Canadian sellers, Etsy’s Regulatory Operating Fee (ROF) is currently 0.50% of item price + shipping + gift wrap (and personalization costs if applicable). It excludes tax collected by Etsy, appears in your Payment account with other seller fees, and may be subject to VAT where applicable.
With a Canada bank account: 3% + 0.25 CAD on domestic Canadian orders or orders from the US; 4% + 0.25 CAD on other international orders. Processing is taken from the total sale price including shipping and any applicable sales tax.
Yes. The 6.5% transaction fee applies to the total order amount in the listing currency and includes item price, shipping, and gift wrap—same worldwide rule for sellers subject to this fee.
Many US tools model US processing (often 3% + $0.25 USD) and skip Canada’s Regulatory Operating Fee of 0.50%. Canadian shops also face CAD processing rates (3%+$0.25 vs 4%+$0.25) and listing fees charged in USD that convert into the Payment account currency.
No. Offsite Ads follow the same worldwide rules: 15% if your shop never hit $10,000 USD in any 365-day period (opt-out available); 12% mandatory for life once you hit $10k; fee never exceeds $100 per order; roughly 30-day attribution.
Transaction, processing, ROF, Offsite Ads (when attributed), and related seller VAT stay with the sale in Pending until that sale’s net clears. Listing renewals, Etsy Ads, shipping labels, and Plus/Pattern charges hit Current in real time.
Canopio is independent and not affiliated with Etsy, Inc. Examples are hypothetical and use Canada rates as cited. Confirm current fees in your Shop Manager.
Canopio is independent and not affiliated with Etsy, Inc. Examples are hypothetical and use Canada rates as cited. Confirm current fees in your Shop Manager.