PayPal Business Fees 2026

Which PayPal Fee Rate Applies to My US Payment?

For domestic USD payments between US accounts, without currency conversion. The payment flow determines the rate, not just the card or bank account used.

Checkout / Guest Checkout / Venmo

3.49% + $0.49Includes these payment methods through an invoice; not every card-funded payment uses the Standard Cards rate.

Standard credit and debit cards

2.99% + $0.49For the Standard Cards payment flow, not a card used through PayPal Checkout or Guest Checkout.

Send/Receive Money for Goods & Services

2.99%No fixed fee. This named send/receive flow is not a blanket rate for every sale or invoice.

Invoice paid by bank (ACH)

1.00% (max $10.00)Per invoice payment; the cap is not the rate for every PayPal bank-funded payment.

Eligible charity transactions

1.99% + $0.49Requires eligibility, application and PayPal pre-approval; not automatic for every donation.

Micropayments pricing

4.99% + $0.09Application required for eligible low-value transactions; a small payment alone does not qualify.

International payments can add product-specific surcharges; the domestic rates above exclude them. Currency conversion can add separate costs. Other markets have their own rates. Source: PayPal US business fees