Calculate the fee on a payment amount
Fee = round(payment × rate + fixed fee, currency precision). Net receipt = payment − fee. Use the percentage as a decimal, such as 0.03 for 3%.
Independent PayPal Fee Calculator
PayPal Fee Calculator
Calculate the fee, net receipt, or amount to charge for a supported PayPal payment. Choose a market and payment type, or open a dedicated calculator for your transaction.
$Example: 1,000.00. Use a period for decimal places.
Selected fee type: 3.49% + USD 0.49
Receiving availability: Receiving availability for this account market and payment product has not been verified. Figures are fee references, not confirmation that your account can accept payments.
PayPal Fee (3.49% + USD 0.49)-USD 36.67
You Will ReceiveUSD 1,000.00
You Should ChargeUSD 1,036.67
US dollar example
How much does PayPal take from a $100 Checkout payment?
For a US domestic USD PayPal Checkout payment at 3.49% + USD 0.49, PayPal deducts USD 3.98 from $100 and the merchant receives USD 96.02. This is a Checkout example, not a single rate for every PayPal payment: the payment product and receiving market determine which fee applies.
US domestic USD example; no international fee, currency conversion, or negotiated pricing.
Source: PayPal US fees · Source updated · Rate last verified
PayPal Fee Examples
Fee:-USD 2.24
Receive:USD 47.76
Fee:-USD 3.98
Receive:USD 96.02
Fee:-USD 17.94
Receive:USD 482.06
Fee:-USD 35.39
Receive:USD 964.61
PayPal Business Fee Table by Market
Compare selected domestic receiving-fee categories tracked for United States.
| Transaction Type | Percentage Rate | Fixed Fee (USD) |
|---|---|---|
| PayPal Checkout | 3.49% | USD 0.49 |
| PayPal Guest Checkout | 3.49% | USD 0.49 |
| Standard Credit & Debit Card Payments | 2.99% | USD 0.49 |
| Pay with Venmo | 3.49% | USD 0.49 |
| PayPal Pay Later | 4.99% | USD 0.49 |
| QR Code Transactions | 2.29% | USD 0.09 |
| QR Code via Third-Party Integrator | 2.29% | USD 0.09 |
| PayPal Checkout for Donations | 2.89% | USD 0.49 |
| Charity Transactions | 1.99% | USD 0.49 |
| Invoice: Pay by Bank (ACH) | 1.00% | None (max USD 10.00) |
| All Other Alternative Payment Methods (APMs) | 2.89% | USD 0.29 |
| Micropayments | 4.99% | USD 0.09 |
How to calculate the fee and net receipt
Choose the account market and actual payment product. These formulas apply to a percentage-plus-fixed-fee rule without a minimum, cap or amount band. For a target net, select the receive-after-fees mode, enter the net you want and read the amount to charge. Invoice payments use the separate invoice calculator and the customer’s payment method.
Calculate a payment for your target net receipt
Initial gross estimate = (target net + fixed fee) ÷ (1 − rate). Recalculate in the currency’s smallest unit and choose the smallest payment that reaches the target after rounding. This estimates a total price, not permission for a separate PayPal surcharge; check the applicable account agreement.
Apply rounding, minimums and caps
Round half up to the currency’s precision: two decimal places for USD, zero for JPY. Minimum fees, caps, tiers and amount bands require their own rule calculation, not just the simple formula. A pre-tax net estimate excludes applicable tax on fees.
PayPal user agreement for United States: pricing and surcharge rules
Which PayPal Fee Calculator Do You Need?
Choose the payment you are making or receiving. Invoice pricing, personal transfers, withdrawals and currency conversion follow different rules.
PayPal Goods & Services Fee Calculator
Best when you want to check a Goods and Services payment fee, net amount received, or how much to charge so the fee is covered.
PayPal Invoice Fee Calculator
Use this page when you need to bill a client and want the invoice total to land on the exact net amount you plan to keep.
PayPal Instant Transfer Fee Calculator
Check the PayPal instant transfer fee, minimum fee, and any listed cap before you move money out of your PayPal balance.
PayPal International Fee Calculator
Check how PayPal international fees work when buyer and seller are in different markets, then estimate the cross-border fee with the calculator.
PayPal Business Fees and Merchant Rates
View supported domestic receiving fees by market, including Checkout, Goods & Services, donations and micropayments. Withdrawal costs are calculated separately.
PayPal Friends & Family Fee Calculator
Check personal-transfer fees by funding source and countries. See the sender's charge and recipient's receipt before any private reimbursement.
PayPal Refund Calculator
Estimate retained fees, refund loss, and dispute cost after the original PayPal payment has already happened.
Compare PayPal Fees by Payment Type
Compare fees on the same amount across PayPal payment paths, then check which paths your transaction is eligible to use.
PayPal Currency Conversion Calculator
Compare mid-market and PayPal exchange rates, estimate spread loss, and see the total source-side cost.
More PayPal Fee Guides
Check when receiving fees apply, how currency conversion differs from processing fees, and where the rates come from.
PayPal Fee Sources & Methodology
Learn where the fee inputs come from, how the site updates them, and which results are direct mappings versus scenario-based estimates.
PayPal Fees for Receiving Money
Understand when PayPal charges receiving fees and when receiving money may be free or tied to a different payment type.
PayPal Currency Conversion Fee
See how PayPal currency conversion fees differ from transaction fees and why cross-border payments can cost more than expected.
Goods & Services vs. Friends & Family
Compare fee differences, payment protections, and when each PayPal payment type is the right choice.
Worked PayPal Fee Scenarios
See country- and user-specific PayPal fee examples with visible assumptions, calculations, and source limits.
Supporting Research Pages
For decisions involving another provider, check the comparison assumptions as well as the current product terms.
Supported PayPal Business Markets
PayPal’s fee structure varies by market, checkout method, and product category. Select a market in the calculator to use the tracked currency and fee rows available for that location.
30 account markets are listed. This does not mean every payment product, currency or cross-border combination is supported. Coverage depends on the selected rule.
Explore Cross-Border FeesPeople Also Ask
What are PayPal business fees?
PayPal business costs depend on the payment product and account market. Receiving a payment can incur a processing fee. Cross-border charges, currency conversion and an optional instant withdrawal are separate costs that apply only when the relevant transaction or step occurs.
More PayPal Fee Questions
Payment fees, net receipts and choosing the right transaction path.
Commercial payments such as Goods & Services and invoices can carry receiving fees. Personal transfers follow separate rules: funding source, countries and currency conversion determine whether a fee applies.
Choose a merchant account market and a supported domestic payment product to estimate the processing fee, net receipt or selling price. For other tasks, use the invoice calculator, instant withdrawal calculator, international payment calculator or Friends & Family calculator. Each tool states its own eligibility rules and excluded costs.