Last Reviewed
October 9, 2026
This review covered US merchant fee inputs only. Other markets and consumer fees have separate review dates and scopes; see the public rate update log.
US official page updated: October 1, 2026
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.
$
Selected fee type: 3.49% + $0.49
PayPal Fee (3.49% + $0.49)-$36.67
You Will Receive$1,000.00
You Should Charge$1,036.67
Official rule: PayPal Checkout (paypal-US-paypal_checkout-USD, v1) | Verified 2026-10-09
Domestic transaction in the listed receiving currency; currency conversion excluded.
Evidence Layer
Why You Can Trust These PayPal Fee Results
The main PayPal fee calculator uses directly tracked PayPal business fee pages for the supported markets and visible payment types shown in the selector.
Evidence Mode
Official Direct Mapping
Visible calculator rates are mapped from the PayPal business fee pages reviewed on the date shown below instead of generic hard-coded defaults.
Coverage
All Markets Shown in the Selector
The homepage calculator shows supported PayPal business fee types for the tracked markets and keeps unsupported categories out of the main selector.
Official Source Pages
The US APM row covers only the all-other-APMs tier, not named payment methods or payment links and buttons. Check the official schedule for those products.
If a fee type is not clearly listed in the tracked PayPal source pages for a market, it is not exposed as a normal selectable rate on the homepage calculator.
Cross-border estimation and comparison assumptions are separated onto dedicated pages so the main PayPal fee calculator stays anchored to direct rate mappings.
US dollar example
How much does PayPal take from a $100 Checkout payment?
For a US domestic USD PayPal Checkout payment at 3.49% + $0.49, PayPal deducts $3.98 from $100 and the merchant receives $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:-$2.24
Receive:$47.76
Fee:-$3.98
Receive:$96.02
Fee:-$17.94
Receive:$482.06
Fee:-$35.39
Receive:$964.61
PayPal Business Fee Table by Market
Compare the tracked PayPal business fee types for United States, including visible checkout, transfer, donation, and other fee categories.
| Transaction Type | Percentage Rate | Fixed Fee (USD) |
|---|---|---|
| PayPal Checkout | 3.49% | $0.49 |
| PayPal Guest Checkout | 3.49% | $0.49 |
| Standard Credit & Debit Card Payments | 2.99% | $0.49 |
| Pay with Venmo | 3.49% | $0.49 |
| PayPal Pay Later | 4.99% | $0.49 |
| QR Code Transactions | 2.29% | $0.09 |
| QR Code via Third-Party Integrator | 2.29% | $0.09 |
| PayPal Checkout for Donations | 2.89% | $0.49 |
| Charity Transactions | 1.99% | $0.49 |
| Invoice: Pay by Bank (ACH) | 1.00% | None (max $10.00) |
| All Other Alternative Payment Methods (APMs) | 2.89% | $0.29 |
| Micropayments | 4.99% | $0.09 |
How PayPal Fees Are Calculated
PayPal business fees are the processing charges PayPal deducts from checkout payments, invoice payments, instant transfers, and some cross-border transactions. This PayPal transaction fee calculator shows the tracked rate, the net amount you receive, and the gross amount you need to charge.
PayPal Checkout And Merchant Fees
PayPal merchant fees depend on the payment type. A standard checkout payment, a donation, a micropayment, and an instant transfer can all use different pricing even in the same market.
PayPal Fees Change By Market
The same PayPal fee category can change between North America, Europe, Asia-Pacific, and Latin American markets. That is why the calculator switches market-specific rates instead of assuming one global fee chart.
Reverse Mode Solves The Real Problem
Many users do not want to know the fee in isolation. They want to know what to charge so that the final net amount after PayPal fees still matches the amount they planned to keep.
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
Browse PayPal business fees by market and compare checkout, donations, charity, micropayment, and transfer-related fee types in one place.
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.
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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.
Explore Cross-Border Feesarrow_forwardPeople Also Ask
How much is the PayPal fee on $100?
For a standard US PayPal Checkout payment, PayPal charges 3.49% + $0.49. On a $100 payment, the fee is $3.98 and you receive $96.02.
More PayPal Fee Questions
Payment fees, net receipts and choosing the right transaction path.