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 sign-up
- 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%
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.
FAQ
PayPal fee questions
Short answers to what sellers ask most. Something missing or looks wrong? Tell us and we’ll check it.
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.
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.
Free tools