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 International Fee Calculator
Estimate cross-border commercial receipts by buyer and seller country, payment method and currency. Separate payment fees from conversion; final settlement needs a PayPal quote when FX applies.
International payment waterfall
User-supplied quotes are not independently verified. The transaction rate already includes any spread. A reference rate is needed only to measure the difference.
Fees verified
Conversion pending: provide a quote. Final balance and gross-up are not yet determined.
Business account · Invoice currency received first · Fees deducted before seller balance conversion
- 1. Customer invoice
- £1,000.00 GBP
Source: payment amount entered by you. This is the currency received for the transaction.
- 2. Base commercial fee (3.49%)
- - £34.90 GBP
Percentage of the gross invoice. Standard product pricing, not a negotiated account rate.
Fees verified · 2026-10-10. Rate source
- 3. International surcharge (1.50%)
- - £15.00 GBP
Based on registered markets, not currency differences. Combined percentage rounded once; rounding residual assigned here.
Fees verified · 2026-10-10. Rate source
- 4. Fixed receiving fee
- - £0.39 GBP
Selected by transaction receiving currency, before any later balance conversion. Not by the seller country alone.
Fees verified · 2026-10-10. Rate source
- 5. After transaction fees
- £949.71 GBP
Invoice less base, international and fixed fees. Currency conversion is separate.
- 6. Currency conversion difference
- Not determined
Post-fee amount converted at the entered rate. Difference versus your optional reference, already reflected in the quote; not a second deduction. Negative means a better rate than the reference.
- 7. Net receiving balance
- Pending
Calculated from the fee schedule and selected path. Any FX result uses your quote or manual assumption, not a live PayPal rate.
Charge for a fixed net balance
- Invoice amount to charge
- Pending
Pending a supported path and, where needed, a conversion quote.
Official rule: Commercial Transaction Rates / Invoicing Transaction Rates / Fixed fee based on currency received (paypal-US-UK-international-balance-GBP-waterfall, v2) | Verified 2026-10-10
Assumptions: seller accepts the invoice currency, then converts the remaining balance if selected. Actual automatic-conversion ordering may differ. Taxes, withdrawals, disputes, refunds, card issuer fees and negotiated pricing are excluded. Currency selection does not confirm account eligibility.
PayPal US currency conversion policy: spread is included in the transaction exchange rateUS dollar example
What does a US seller receive from a $100 UK PayPal payment?
For a UK buyer paying a US merchant $100 in USD through PayPal Checkout, the estimated receipt is $94.52 after $5.48 in fees. That includes the domestic Checkout fee of $3.98 plus $1.50 for the international surcharge.
US business recipient, UK sender and USD settlement; no currency conversion or withdrawal fee. A card payment, different receiving country or currency conversion can change the total.
Source: PayPal US fees · Source updated · Rate last verified
Country pairs, payment currency and conversion are separate inputs
Buyer and seller account markets determine the cross-border classification. The payment currency determines the fixed fee. The seller balance currency and who converts determine whether an exchange-rate quote is needed. A UK buyer paying a US seller in USD can still incur an international fee without seller-side conversion.
| Country pair and currencies | Base + cross-border + fixed | After processing | Seller balance |
|---|---|---|---|
| US buyer, US seller; USD to USD | $3.49 + $0.00 + $0.49 | $96.02 | $96.02 |
| UK buyer, US seller; USD to USD | $3.49 + $1.50 + $0.49 | $94.52 | $94.52 |
| UK buyer, US seller; EUR to USD | 3,49 € + 1,50 € + 0,39 € | 94,62 € | $104.08 |
The EUR example uses a hypothetical seller conversion quote of 1 EUR = 1.10 USD and a hypothetical reference rate of 1.12. EUR 94.62 becomes $104.08, compared with $105.97 at the reference rate: a $1.89 difference. That difference is already reflected in the converted balance; it is not another fee to subtract. These are not live exchange rates.
For the first two examples, invoice, buyer and balance currencies are all USD with no conversion. For the third, invoice and buyer currency are EUR, balance is USD, and conversion is by the seller. Buyer-side conversion instead changes the buyer funding amount, not a second seller deduction.
An absent quote leaves conversion pending, not free. Unmapped country/currency combinations remain unsupported, not a US-rate fallback. Other supported corridors may be labeled modeled rather than officially verified. Withdrawal fees and taxes are outside these examples.
US international percentage and currency-specific fixed fees | Compare your own exchange-rate quotes
Evidence Layer
How This International Fee Estimate Is Built
The waterfall separates commercial fees, the cross-border surcharge, the currency-specific fixed fee, conversion and the final balance. Missing conversion quotes leave settlement pending.
Evidence Mode
Verified Fees / Modeled Fees / User FX Quotes
US standard commercial and invoicing fees were checked on October 10, 2026. Other supported corridors retain their modeled labels. A user-entered PayPal quote is not independently verified; a manual rate is an assumption.
Coverage
Markets + Transaction Currency + Settlement Path
The payment method selects PayPal Checkout or Standard Card pricing, not the funding source of a PayPal wallet. The seller path assumes fees in the invoice currency followed by conversion of the remaining balance.
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.
Currency conversion and international surcharge are intentionally disclosed as separate factors because cross-border total cost is not always a single official row.
Use the methodology page before relying on this page for contracts or large invoice decisions because this is the most interpretation-heavy PayPal fee page in the site.
How PayPal International Fees Work
When Fees Apply
PayPal international fees usually apply when the buyer and seller are in different markets. The fee can change again if the payment method or currency also changes.
What Changes The Rate
The receiver market, sender market, and payment method all affect the final PayPal international fee. That is why this page asks for both markets instead of assuming one flat cross-border fee.
What The Calculator Shows
The waterfall separates base fees, international surcharge, the fixed fee and currency conversion. Conversion differences require a reference rate and are never deducted twice. Net-balance gross-up uses the same path and rounding.
Cross-Border Is Not The Same As Conversion
Different account countries can trigger a cross-border fee even when the currency stays the same. Conversion is a separate step. A missing PayPal exchange-rate quote leaves the converted settlement pending rather than assuming zero conversion cost.
public
Which PayPal Business Markets Are Covered?
Selectors include tracked markets, but not every market, payment method and currency has a supported rule. Unsupported combinations never inherit another market rate. Only verified rules are labeled official.
View Full Market Listopen_in_newRelated PayPal Fee Pages
International fee questions usually overlap with invoice pricing, conversion spreads, and source verification. These pages keep the pricing context together.
PayPal Invoice Fee Calculator
Use the invoice calculator for domestic invoice pricing by client payment method. Keep cross-border and conversion estimates in this international calculator.
PayPal Currency Conversion Calculator
Compare a mid-market reference with your PayPal quote when you only need the conversion difference, without a commercial payment fee calculation.
PayPal Fee Sources And Methodology
Open the methodology page if you want to see how the tracked market data and modeled cross-border assumptions are separated.
Brazilian Freelancer Paid By A US Client
See a worked BRL invoice example with the Brazil commercial fee, international surcharge, net amount, and gross-up total.
People Also Ask
Does PayPal charge international fees?
Cross-border commercial payments can carry an additional receiving fee even without currency conversion. This calculator separates the base fee, international surcharge, fixed fee and any conversion. Personal transfers belong in the Friends & Family calculator.