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
PayPal Goods & Services Fee Calculator
Estimate the seller fee and net receipt for a PayPal Goods and Services payment. This payment path is distinct from PayPal Checkout and invoice payments.
Official rule: Send/Receive Money for Goods & Services (paypal-US-goods_services-USD, v1) | Verified 2026-10-09
Domestic transaction in the listed receiving currency; currency conversion excluded.
PayPal Fee Calculator
Goods & Services Locked
Calculate Your Goods & Services Fee
$
Selected market: United States. The standard rate below updates with the chosen PayPal business market.
PayPal Fee (2.99%)-$14.95
Total Net Amount$485.05
Ask for this amount to get $500.00$515.41
US dollar example
What is the PayPal Goods & Services fee on $100?
For a US domestic USD payment using Send/Receive Money for Goods & Services, the 2.99% fee takes $2.99 from $100, leaving the seller $97.01. This specific payment flow has no fixed fee; it is not the PayPal Checkout or invoice rate.
US domestic USD example; no international fee, currency conversion, or negotiated pricing.
Source: PayPal US fees · Source updated · Rate last verified
Calculate your seller net in the Goods & Services calculator
lightbulb
Goods & Services Is Not PayPal Checkout
A sale can be collected through different PayPal payment paths. Use the rate for the path actually used, not one universal rate for every commercial payment.
Compare PayPal payment pathsarrow_forwardLive Market Math
Tracked fee logic beats static examples.
This calculator uses the tracked market-specific rate first, then lets you switch to a custom fee only when you want to model a different scenario.
Coverage
All tracked business markets
Rate Mode
Tracked first, editable second
Your PayPal Fee Results
How Much You Keep After Fees
- Your Earnings (97.0%)
- PayPal Transaction Fee (3.0%)
analytics
People Also Ask
What is the PayPal Goods and Services fee?
The PayPal Goods and Services fee depends on the market. This page shows the tracked rate used by this calculator and the amount left after fees.
More PayPal Fee Questions
How much is PayPal Goods and Services fee?
Enter $100 into the calculator to see the tracked PayPal Goods and Services fee and the estimated net amount received for the selected market.
Who pays the PayPal Goods and Services fee?
PayPal deducts the processing fee from the seller's receipt. A price agreed between buyer and seller does not change who PayPal charges. The gross-up result is a pricing estimate, not permission to add a payment surcharge.
Is Goods and Services the same as PayPal Checkout?
No. The US fee schedule lists Send/Receive Money for Goods and Services separately from PayPal Checkout. This calculator uses the Goods and Services row; use the payment-method comparison for Checkout and other PayPal paths. Rates also depend on the account market.
Is PayPal G&S the same as invoice fees?
No. PayPal Goods and Services and PayPal invoice payments can use different fee structures, so it is worth checking both before you send a request or invoice.
Evidence Layer
How This Goods And Services Rate Is Verified
The default Goods and Services result uses the tracked market-specific PayPal business rate for the selected country before any optional custom editing.
Evidence Mode
Official Direct Mapping
The standard rate shown on this page is mapped from the tracked PayPal business fee source for the selected market rather than from a generic seller assumption.
Coverage
Market-Specific PayPal Business Fees
This page uses the supported market-specific Goods and Services fee rows tracked in the PayPal fee data layer.
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 you switch to the custom rate editor, the result becomes your own scenario model rather than the tracked default rate.
Use the methodology page if you want to inspect the source policy before relying on a result for a quote, invoice, or contract.
Why 2.99% Goods & Services and 3.49% Checkout are both correct
They are different payment products, not conflicting quotes for the same transaction. Selling a service does not automatically put a Checkout payment in the Send/Receive Money for Goods and Services row. Match the payment product shown in your transaction details, not just what you sold.
| Payment product | Rate | Fee | Net receipt |
|---|---|---|---|
| Send/Receive Money for Goods and Services | 2.99% | $2.99 | $97.01 |
| PayPal Checkout | 3.49% + $0.49 | $3.98 | $96.02 |
| Standard credit and debit card payments | 2.99% + $0.49 | $3.48 | $96.52 |
The G&S row has no fixed USD charge; Checkout includes $0.49. Standard cards also use 2.99%, but add $0.49. A paid invoice follows its own payment-method table. Personal transfers are a separate category, not a substitute for paying for a sale.
Official US commercial transaction table | Invoice payment methods | Compare payment products
How to Calculate PayPal Goods & Services Fees
The PayPal Goods and Services fee is the processing deduction taken from a commercial payment for goods or services. This calculator shows the tracked market rate, the net amount after fees, and the total you need to charge if you want to cover the fee.
Goods & Services Versus Checkout
The US schedule has a separate Send/Receive Money for Goods and Services row. PayPal Checkout, direct card payments and paid invoices use their own rows. The selected market determines which Goods and Services rule applies here.
Net Amount Matters More Than The Headline Rate
Most sellers care about how much they actually keep. The useful output is not just the percentage fee, but the net amount after the full PayPal deduction.
Gross-Up Pricing Prevents Shortfalls
The gross-up result estimates the total needed for a target net receipt. PayPal still charges the seller; a private pricing agreement does not change that. Check applicable terms before adding any separate payment surcharge.
Related PayPal Fee Pages
Adjacent PayPal fee questions often mix calculators and explanation pages. These related pages help you move from a transaction estimate to the matching guide or comparison page without returning to the homepage.
Goods And Services Vs Friends And Family
Use the guide page when the fee question is really about which PayPal payment type should be used for the transaction.
PayPal Fees For Receiving Money
Open this page if the next question is whether receiving the money itself triggers a PayPal fee.
PayPal Invoice Fee Calculator
Switch here if the payment is being collected through an invoice instead of a standard Goods and Services request.
PayPal Business Fees
Open the market fee table if you want to compare this fee type with other PayPal business pricing categories.