2026 rates, checked
PayPal Fee Calculator
See exactly what PayPal takes, compare every way your client can pay, and get the price that leaves you the amount you need.
- Free, no signup
- US, UK, Canada and Australia
- Private: runs in your browser
Updates as you type
You keep
$96.02
from a $100.00 payment. PayPal takes $3.98, which is 3.98% of the payment.
- PayPal fee 4%
- You keep 96%
- Buyer pays$100.00
- Transaction fee3.49%−$3.49
- Fixed feePer payment, set by the currency you receive−$0.49
- You keep$96.02
Cheaper, if it suits this buyer: invoice, paid by bank (ACH). The same payment would cost $1.00 instead of $3.98, saving $2.98.
If you refund this payment, PayPal keeps its $3.98 fee. A buyer dispute can add a $15.00 dispute fee, and a card chargeback costs $20.
Your yearly PayPal bill Estimate
PayPal takes a month$39.80
and a year$477.60
Switch to invoice, paid by bank (ACH) and you’d keep $357.60 more a year.
Every way to get paid $100.00, ranked
What PayPal takes from a buyer in the US, cheapest first. Pick one to use it.
Did this match what PayPal actually charged you?
Quick answer
How much does PayPal take from $100?
PayPal takes $3.98 from a $100 PayPal Checkout payment to a US seller: 3.49% plus a $0.49 fixed fee, so you receive $96.02. A Goods and services payment costs $2.99, an invoice paid by bank costs $1.00, and a buyer outside the US adds 1.5%. To receive exactly $100, charge $104.12.
- PayPal Checkout$3.983.49% + $0.49
- Goods and services$2.992.99%, no fixed fee
- Invoice paid by bank$1.001%, capped at $10
- Buyer outside the US+$1.50+1.5% on top
Fee table
PayPal fees on common amounts
PayPal Checkout, buyer in the US. The last column is what to charge to receive the amount in the first column.
The table follows whatever you pick in the calculator: payment type, country, currency and buyer.
| Amount | PayPal fee | You keep | To keep it, charge |
|---|---|---|---|
| $5.00 | $0.66 | $4.34 | $5.69 |
| $10.00 | $0.84 | $9.16 | $10.87 |
| $25.00 | $1.36 | $23.64 | $26.41 |
| $50.00 | $2.24 | $47.76 | $52.32 |
| $100.00 | $3.98 | $96.02 | $104.12 |
| $250.00 | $9.22 | $240.78 | $259.55 |
| $500.00 | $17.94 | $482.06 | $518.59 |
| $1,000.00 | $35.39 | $964.61 | $1,036.67 |
The basics
How PayPal fees work in 2026
When you receive money for goods or services, PayPal charges you, the receiver, a fee made of up to four parts. The buyer normally pays nothing extra.
- 1% to 4.99%
A percentage of the payment
The rate depends on how the buyer pays. For US accounts it ranges from 1% for invoices paid by bank transfer, capped at $10, to 4.99% for Pay Later. PayPal Checkout is 3.49%.
- $0.49
A fixed fee per payment
Most payment types add a fixed fee set by the currency you receive: $0.49 for US dollars on a US account. Goods and services payments in the US have no fixed fee.
- +1.5%
An international fee
If the buyer is in another country, PayPal adds a percentage: 1.5% for US sellers, 1.29% or 1.99% for UK sellers, 0.8% or 1% for Canadian sellers and 1% for Australian sellers.
- About 3%
Currency conversion
If PayPal converts the money into your currency, its exchange rate includes a spread of about 3%. It doesn’t appear as a fee, but you receive less.
Other costs can follow a payment: PayPal keeps its fee when you refund, a buyer dispute can cost $15, a card chargeback $20, and Instant Transfer to your bank costs 1.5% on a US business account.
Rate card
PayPal fees for US sellers
| Payment type | Fee | Buyer outside the US |
|---|---|---|
| PayPal Checkout, Venmo, guest checkout | 3.49% + $0.49 | +1.5% |
| Goods and services payment | 2.99% | +1.5% |
| Card payments, Apple Pay and other wallets | 2.99% + $0.49 | +1.5% |
| Invoice paid with PayPal or Venmo | 3.49% + $0.49 | +1.5% |
| Invoice paid by card | 2.99% + $0.49 | +1.5% |
| Invoice paid by bank (ACH) | 1%, max $10 | US bank accounts only |
| PayPal Pay Later | 4.99% + $0.49 | +1.5% |
| QR code, in person | 2.29% + $0.09 | +1.5% |
| Micropayments (on application) | 4.99% + $0.09 | +1.5% |
Outside the US
PayPal fees in the UK, Canada and Australia
United Kingdom
- Standard rate
- 2.9% + £0.30 (card without a PayPal account: 1.2% + £0.30)
- International buyer
- +1.29% from the EEA, +1.99% elsewhere
- QR code
- 2% + £0.05 up to £10, then 1.5% + £0.10
Canada
- Standard rate
- 2.9% + CA$0.30 (Pay Later: 4.9%)
- International buyer
- +0.8% from the US, +1% elsewhere
- QR code
- 2.4% + CA$0.05 up to CA$10, then 1.9% + CA$0.10
Australia
- Standard rate
- 2.9% + A$0.30
- International buyer
- +1%
- QR code
- 1.2%
PayPal fixed fees by currency (US accounts)
The fixed part of a US seller’s fee depends on the currency the payment arrives in. The big number is the standard fee; QR code and micropayments pricing use the smaller one.
- USDUS dollar0.49QR, micro: 0.09
- EUREuro0.39QR, micro: 0.07
- GBPBritish pound0.39QR, micro: 0.07
- CADCanadian dollar0.59QR, micro: 0.11
- AUDAustralian dollar0.59QR, micro: 0.12
- NZDNew Zealand dollar0.69QR, micro: 0.13
- JPYJapanese yen49QR, micro: 9
- CHFSwiss franc0.49QR, micro: 0.08
- SGDSingapore dollar0.69QR, micro: 0.12
- MXNMexican peso9QR, micro: 1.79
- SEKSwedish krona4.09QR, micro: 0.76
- PLNPolish zloty1.89QR, micro: 0.34
- BRLBrazilian real2.90QR, micro: 0.50
Do the maths
How to calculate PayPal fees
The fee
Fee = payment × percentage rate + fixed fee
For a $100 PayPal Checkout payment: $100 × 3.49% + $0.49 = $3.98, so you receive $96.02.
What to charge
Charge = (amount you want + fixed fee) ÷ (1 − percentage rate)
To receive $100: ($100 + $0.49) ÷ 0.9651 = $104.12. Add the international percentage to the rate if the buyer is abroad.
Which one to use
PayPal Goods and Services vs Friends and Family
For selling
Goods and services
Goods and services is for anything you sell. The seller pays the fee, and the payment can be covered by PayPal’s Seller Protection and the buyer’s Purchase Protection.
- Seller Protection can cover you
- Purchase Protection can cover the buyer
- You pay PayPal’s fee
For people you know
Friends and family
Friends and family is for sending money to people you know. It is free to receive and, in the US, free to send from a balance or bank account, but it isn’t meant for sales, so asking customers to pay this way leaves both of you unprotected.
- Free to receive
- Free to send in the US from a balance or bank
- Not for sales: no protection for either of you
Keep more
How to pay less in PayPal fees
- Offer bank payment on large US invoices. An invoice paid by ACH costs 1%, capped at $10, against $35.39 for a $1,000 PayPal Checkout payment.
- Apply for micropayments pricing if most sales are small. Its lower fixed fee makes it cheaper on small payments, though it costs more on larger ones.
- Use standard transfers. Moving money to your bank is free; Instant Transfer costs 1.5% or more.
- Avoid unnecessary conversions. If you sell in several currencies, holding balances in those currencies can avoid the 3% spread each time.
- Price the fee in. Use “What to charge” so the fee comes out of the price, not your margin. Sending an invoice? The free invoice generator adds the fee to the total for you.
FAQ
PayPal fee questions
Short answers to what sellers ask most. Something missing or looks wrong? Tell us and we’ll check it.
How much is the PayPal fee on $100?
For a US seller, a $100 PayPal Checkout payment from a US buyer costs $3.98 (3.49% + $0.49), so you receive $96.02. The same payment by card costs $3.48, and a Goods and services payment costs $2.99. A buyer outside the US adds 1.5%, or $1.50.
What are PayPal’s Goods and Services fees?
In the US, receiving a Goods and services payment costs 2.99% with no fixed fee. In the UK it is 2.9% + £0.30, in Canada 2.9% + CA$0.30 and in Australia 2.9% + A$0.30. International buyers add an extra percentage.
Who pays the PayPal fee, the buyer or the seller?
For commercial payments the seller, or whoever receives the money, pays the fee. The buyer pays nothing extra unless they pay in a different currency. For friends and family payments in the US, the receiver pays nothing and the sender may pay a fee for card or international payments.
Are PayPal friends and family payments free?
In the US, sending money to friends and family is free from a PayPal balance or bank account. Paying by card costs the sender 2.9% + $0.30, and sending to another country costs 5%, with a minimum of $0.99 and a maximum of $4.99. Friends and family payments aren’t for buying goods or services and aren’t covered by Seller Protection.
What is PayPal’s international fee?
PayPal adds a percentage when the buyer is in another country: 1.5% for US sellers, 1.29% for UK sellers with a buyer in the EEA and 1.99% elsewhere, 0.8% for Canadian sellers with a US buyer and 1% elsewhere, and 1% for Australian sellers.
How much does PayPal charge to convert currency?
PayPal builds a currency conversion spread into its exchange rate rather than listing it as a fee. For US business accounts it is 3% for converting a payment you receive or your balance, and 4% when paying for something in a different currency.
Does PayPal return its fee when I refund a payment?
No. There is no charge to issue a refund, but the fee you paid to receive the original payment is not returned to you. A buyer dispute can also add a $15 dispute fee, and a card chargeback costs $20 in the US.
How much is PayPal Instant Transfer?
For US business accounts, Instant Transfer to a bank or debit card costs 1.5% of the amount, with a minimum fee of $0.50. Personal accounts pay 1.75%, with a minimum of $0.25 and a maximum of $25. Standard transfers to a linked bank account are free.
How do I calculate what to charge to cover PayPal fees?
Add the fixed fee to the amount you want, then divide by one minus the percentage rate. To receive $100 through PayPal Checkout: ($100 + $0.49) ÷ (1 − 0.0349) = $104.12. Switch the calculator to “What to charge” to do this for any payment type.
Do personal PayPal accounts pay the same fees as business accounts?
Yes for sales. When you receive a payment for goods or services, PayPal treats it as a commercial transaction and charges the same seller rates, whichever type of account you have.
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