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%.
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
$Example: 1,000.00. Use a period for decimal places.
Enter the total sent by the buyer. The fee is deducted from this amount.
Selected market: United States. The standard rate below updates with the chosen PayPal business market.
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.
Buyer paysUSD 500.00
PayPal Fee (2.99%)-USD 14.95
Seller receives after feesUSD 485.05
Want to receive USD 500.00 after fees?Minimum gross paymentUSD 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 USD 2.99 from $100, leaving the seller USD 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
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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
Which markets and payment rules are supported?
The market selector shows tracked Goods & Services rules. The selected rule’s source and review status appear with the result; unsupported combinations and rules under review do not produce a standard quote. A manual rate is your simulation, not a verified PayPal rate or confirmation of account eligibility.
Coverage
Verified market rates only; quotes under review are paused
Rate Mode
Tracked first, editable second
Your PayPal Fee Results
How Much You Keep After Fees
- Your Earnings (97.01%)
- PayPal Transaction Fee (2.99%)
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People Also Ask
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.
More PayPal Fee Questions
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.
- Relevant fee-source review
- US official page updated
United States · Send/Receive Money for Goods & Services. This review covers the selected account market and payment category, not all PayPal fees.
- 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
This review covers the selected account market and payment category, not all PayPal fees.
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.
Goods & Services, Checkout and invoice payments: what differs?
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% | USD 2.99 | USD 97.01 |
| PayPal Checkout | 3.49% + USD 0.49 | USD 3.98 | USD 96.02 |
| Standard credit and debit card payments | 2.99% + USD 0.49 | USD 3.48 | USD 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 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 through Goods & Services, enter the amount you want to keep and read the minimum gross payment under the target-net question. This is not the Checkout or invoice payment rule.
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.
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.