Find the invoice total to receive your target net, or the fee on an amount you plan to bill. Choose the client's payment method and try domestic invoice examples.
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Domestic invoice estimate
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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.
For a US domestic USD invoice paid through PayPal Checkout at 3.49% + USD 0.49, invoice USD 518.59 to receive at least $500 after the USD 18.59 processing fee. Standard cards, Pay Later and Pay by Bank use different rates, so the client's payment method matters.
US domestic USD example; no international fee, currency conversion, or negotiated pricing.
Source: PayPal US fees · Source updated · Rate last verified
US domestic USD invoices at published standard rates; cross-border charges and FX excluded.
| Payment method | Receive USD 100.00 | Receive USD 500.00 | Receive USD 1,000.00 |
|---|---|---|---|
| PayPal / Venmo / Guest Checkout3.49% + USD 0.49 | Receive USD 100.00 Invoice USD 104.12Fee USD 4.12 | Receive USD 500.00 Invoice USD 518.59Fee USD 18.59 | Receive USD 1,000.00 Invoice USD 1,036.67Fee USD 36.67 |
| Credit / debit card / Apple Pay2.99% + USD 0.49 | Receive USD 100.00 Invoice USD 103.59Fee USD 3.59 | Receive USD 500.00 Invoice USD 515.92Fee USD 15.92 | Receive USD 1,000.00 Invoice USD 1,031.33Fee USD 31.33 |
| Pay Later4.99% + USD 0.49 | Receive USD 100.00 Invoice USD 105.77Fee USD 5.77 | Receive USD 500.00 Invoice USD 526.78Fee USD 26.78 | Receive USD 1,000.00 Invoice USD 1,053.04Fee USD 53.04 |
| Pay by Bank (ACH)1.00% (max USD 10.00) | Receive USD 100.00 Invoice USD 101.01Fee USD 1.01 | Receive USD 500.00 Invoice USD 505.05Fee USD 5.05 | Receive USD 1,000.00 Invoice USD 1,010.00Fee USD 10.00 |
Checkout includes Venmo and guest checkout; standard card includes Apple Pay and third-party wallets. ACH is 1% capped at $10 per transaction, not a flat $10. Confirm actual eligibility and account terms.
For US domestic USD invoice payments, PayPal / Venmo / Guest Checkout costs 3.49% + $0.49; standard cards / Apple Pay / other wallets cost 2.99% + $0.49; Pay Later costs 4.99% + $0.49; and Pay by Bank (ACH) costs 1%, capped at $10, with no fixed fee. These are payment processing fees, not a fee for creating the invoice.
Yes. A paid PayPal invoice can include a payment processing fee even though creating and sending the invoice itself does not have a separate charge.
The invoice fee follows the selected market and, for US domestic USD payments, the actual checkout method used by the client. A linked card alone does not determine the rate. ACH uses 1% capped at $10; the other US methods use a percentage plus $0.49. Reverse calculation includes the cap. International surcharges and currency conversion are excluded.
The reverse calculation estimates a total selling price needed to reach your target after processing fees. It does not authorize adding a separate PayPal surcharge or shifting the fee to the buyer. The US PayPal User Agreement prohibits surcharges for accepting PayPal, subject to its stated handling-fee conditions. Check the agreement and applicable rules for your account market before setting prices.
The PayPal invoice fee depends on the market and how the client pays. For US domestic USD invoices, this calculator distinguishes PayPal / Venmo / Guest Checkout, standard cards / Apple Pay / other wallets, Pay Later, and Pay by Bank (ACH). Other markets use their tracked invoice rate.
The main pricing question is usually about the payment fee on a paid invoice, not the act of drafting and sending the invoice itself. That is why the calculator focuses on the payment deduction.
If you quote a client a net project amount, PayPal invoice fees can create a shortfall unless the invoice total is grossed up first. Reverse mode handles that in one step.
This is a total-price estimate, not permission to add a PayPal surcharge. Check the user agreement and applicable rules for your account market before setting prices.
PayPal user agreement for United States: pricing and surcharge rules
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.
Compare US invoice totals for PayPal, cards, Pay Later, and Pay by Bank when you want to keep $1,000 after fees.
Use the guide page if the invoice question is really about the fee on receiving the money rather than sending the invoice itself.
Review the methodology page if you want to verify how market-specific invoice rates are tracked and updated.
Switch here if the payment is a standard Goods and Services transaction rather than an invoice payment.
Use this page when an invoice may also include cross-border pricing, international surcharges, or currency-related fee questions.