PayPal Fee Calculator

See what PayPal takes on any payment type, and what to charge to receive an exact amount.

Free, no signup
US rates from PayPal’s official fee page
Updated 30 September 2026

The payment

Amount the buyer pays

Currency you’re paid in

How the buyer pays

Where is the buyer?

In the US Outside the US (+1.5%)

Currency conversion and withdrawals

PayPal converts this payment to USD. PayPal builds a spread of about 3% into its exchange rate. It isn’t listed as a fee, but you lose it all the same. I’ll use Instant Transfer to my bank or card. 1.5% of the amount, minimum $0.50. Standard transfers are free.

These are PayPal’s published rates for US business accounts. Sellers in other countries pay different rates.

You receive

$0.00

Same payment, every way to pay

What PayPal would take depending on how the buyer pays you.

Payment type	Rate	Fee	You receive

How PayPal fees work

PayPal charges the person receiving a commercial payment a percentage of the payment plus a fixed fee. The percentage depends on how the buyer pays, and the fixed fee depends on the currency you receive.

PayPal Checkout, Venmo and guest checkout: 3.49% + $0.49
Standard card payments: 2.99% + $0.49
Goods and Services payments: 2.99%
Pay Later: 4.99% + $0.49
QR code payments: 2.29% + $0.09
Invoices paid by bank (ACH): 1%, capped at $10

Buyers outside the US add 1.50%. Currency conversion adds a spread of about 3%, and PayPal keeps its fee when you refund a payment.

PayPal fee questions

How much are PayPal fees for receiving money?

For US accounts, PayPal Checkout and PayPal invoices paid from a PayPal or Venmo account cost 3.49% plus $0.49. Standard card payments cost 2.99% plus $0.49, Goods and Services payments cost 2.99%, Pay Later costs 4.99% plus $0.49 and QR code payments cost 2.29% plus $0.09.

How much does PayPal take from $100?

On a $100 PayPal Checkout payment from a US buyer, PayPal takes $3.98 and you receive $96.02. If the same buyer pays by card, the fee is $3.48.

What is PayPal’s international fee?

PayPal adds 1.50% to the transaction fee when the buyer is outside the US. If PayPal also converts the currency, its exchange rate includes a spread of 3%.

Does PayPal refund its fee when I refund a buyer?

No. There is no charge to issue a refund, but the fee you paid to receive the payment is not returned to you.

How do I work out 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.

How much is PayPal Instant Transfer?

Instant Transfer costs 1.50% of the amount, with a minimum fee of $0.50. Standard transfers to a bank account are free.

More free calculators

Etsy Fee Calculator Fiverr Fee Calculator All free tools

Rates taken from PayPal’s US merchant fees page (last updated by PayPal on 1 September 2026) and checked on 30 September 2026. Business and personal accounts pay the same rates for commercial payments. Some accounts get custom pricing, so compare with the fee shown on a real transaction.