PayPal Fee Calculator
PayPal charges US business accounts 3.49% plus 49 cents for PayPal Checkout, 2.99% plus 49 cents for cards and 2.99% for goods and services payments, and 1.50% more for international payments. On 100 dollars you receive 96.02 dollars. Enter an amount to see the fee, or how much to ask for.
Choose how the buyer pays and the currency you receive. Switch to “I want to receive” to find the price that covers the PayPal fee. Rates are PayPal’s standard US fees, checked against PayPal’s own fee page.
PayPal fees in the US
| Payment type | Domestic | Fee on $100 |
|---|---|---|
| PayPal Checkout, Guest Checkout, Venmo | 3.49% + $0.49 | $3.98 |
| Credit and debit cards | 2.99% + $0.49 | $3.48 |
| Goods and services payment | 2.99% | $2.99 |
| Pay Later | 4.99% + $0.49 | $5.48 |
| International payment | +1.50% | +$1.50 |
PayPal fee formula
PayPal fee = payment × percentage rate + fixed fee of the currency received. You receive the payment minus the fee. To receive a set amount, ask for (amount + fixed fee) ÷ (1 − rate), rounded up to the cent: for 100 dollars at 3.49% + 0.49 that is 104.12 dollars.
How to pay less in PayPal fees
Ask business buyers to pay by card through your checkout at 2.99% instead of 3.49%, bill larger amounts less often so the fixed fee counts less, and price in the buyer’s currency so nobody pays a conversion spread. Put the fee into your price rather than adding a surcharge, which card network rules and some states restrict.
Frequently asked questions
How much does PayPal take from a payment?
For a US business account PayPal Checkout costs 3.49% of the payment plus a fixed fee of 49 cents. On a 100 dollar payment the fee is 3.98 dollars and you receive 96.02 dollars. Card payments cost 2.99% plus 49 cents, Pay Later 4.99% plus 49 cents.
What is the PayPal goods and services fee?
When someone sends you money for goods and services from their PayPal account or app, you pay 2.99% of the payment with no fixed fee. On a 100 dollar payment that is 2.99 dollars. It is the cheapest way to receive a payment for a sale on a US PayPal business account.
What does PayPal charge for international payments?
When the buyer is registered in another market, PayPal adds 1.50% to the domestic rate. A 100 dollar PayPal Checkout payment from abroad costs 4.99% plus 49 cents, which is 5.48 dollars. If PayPal also converts the currency, a conversion spread of about 3% is built into the exchange rate.
What is the PayPal fixed fee in other currencies?
The fixed fee depends on the currency you receive: 0.49 US dollars, 0.39 euros, 0.39 pounds, 0.59 Canadian or Australian dollars, 49 yen and so on. Choose the currency and the calculator uses the fee from PayPal’s table.
How do I work out how much to charge to cover PayPal fees?
Choose “I want to receive” and enter the amount you need. The calculator finds the smallest price that still leaves you that amount after the percentage fee and the fixed fee: to receive 100 dollars through PayPal Checkout, ask for 104.12 dollars.
Does PayPal refund its fee when I refund a payment?
No. Refunding a payment, in full or in part, costs nothing, but PayPal does not return the fees you paid to receive it. Count the whole fee as a cost of every refunded order. Disputes and chargebacks have their own fees on PayPal’s fee page.
Related tools: eBay fee calculator, invoice generator, margin calculator. More on sales and running a sales team on the SalesBond blog and the home page.
Official sources
- PayPal Merchant Fees (United States) — commercial transaction rates, international fee and fixed fee by currency for US accounts.
Updated on Nov 5, 2026. This calculator is for information only and is not tax, legal or payroll advice. Rates are PayPal’s standard fees for US business accounts; other countries, negotiated rates, micropayments, chargebacks and currency conversion are not included.
