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.
For a US domestic USD invoice paid through PayPal Checkout at 3.49% + $0.49, invoice $518.59 to receive at least $500 after the $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 payments, using the tracked standard rates. Each example starts with a target net receipt and calculates the invoice total, including any fee cap. International fees and currency conversion are excluded.
| Payment method | Receive $100.00 | Receive $500.00 | Receive $1,000.00 |
|---|---|---|---|
| PayPal Checkout / Venmo3.49% + $0.49 | Receive $100.00 Invoice $104.12Fee $4.12 | Receive $500.00 Invoice $518.59Fee $18.59 | Receive $1,000.00 Invoice $1,036.67Fee $36.67 |
| Credit / debit card2.99% + $0.49 | Receive $100.00 Invoice $103.59Fee $3.59 | Receive $500.00 Invoice $515.92Fee $15.92 | Receive $1,000.00 Invoice $1,031.33Fee $31.33 |
| Pay Later4.99% + $0.49 | Receive $100.00 Invoice $105.77Fee $5.77 | Receive $500.00 Invoice $526.78Fee $26.78 | Receive $1,000.00 Invoice $1,053.04Fee $53.04 |
| Pay by Bank (ACH)1.00% (max $10.00) | Receive $100.00 Invoice $101.01Fee $1.01 | Receive $500.00 Invoice $505.05Fee $5.05 | Receive $1,000.00 Invoice $1,010.00Fee $10.00 |
PayPal Checkout includes Venmo and Guest Checkout; the standard card row also covers Apple Pay and other third-party wallets. ACH has no fixed fee and a $10 fee cap. These are worked pricing examples, not customer transactions or a guarantee that every payment method is available. Gross-up estimates a quoted price; it does not change who PayPal bills or authorize a separate surcharge.
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.
A client can effectively cover the PayPal invoice fee if you set the invoice total high enough before sending it. The calculator helps you gross up the total so the post-fee amount still matches your target.
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.
Many freelancers and agencies do not want to show a separate processing fee line item. A calculator helps you fold the fee into the final invoice amount before you send it.
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.