PayPal Fee Calculator
See what PayPal will take before you send the invoice, compare every way your client can pay, and get the exact amount to charge so you receive what you need. Rates for the US, UK, Canada and Australia.
Free, no signup · Rates checked against PayPal’s fee pages · By Arsen Harutyunyan · Sources
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
- PayPal fee
- $3.98
- Fee rate
- 3.98%
- To keep $100.00, charge
- $104.12
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.
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.
Selling on Etsy, Fiverr or Upwork too? See what each platform takes before PayPal
Did this match what you were actually charged?
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.
Same payment, every way to pay
What PayPal would take on $100.00 from a buyer in the US, depending on how they pay you.
| Payment type | Rate | Fee | You keep |
|---|---|---|---|
| PayPal CheckoutSelected | 3.49% + $0.49 | $3.98 | $96.02 |
| Goods and services payment | 2.99% | $2.99 | $97.01 |
| Card payment via PayPal | 2.99% + $0.49 | $3.48 | $96.52 |
| Invoice, paid with PayPal or Venmo | 3.49% + $0.49 | $3.98 | $96.02 |
| Invoice, paid by card | 2.99% + $0.49 | $3.48 | $96.52 |
| Invoice, paid by bank (ACH)Cheapest | 1% (max $10.00) | $1.00 | $99.00 |
| PayPal Pay Later | 4.99% + $0.49 | $5.48 | $94.52 |
| QR code, in person | 2.29% + $0.09 | $2.38 | $97.62 |
| Micropayments pricing | 4.99% + $0.09 | $5.08 | $94.92 |
| Friends and family payment | Free to receive | $0.00 | $100.00 |
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.
| 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 |
Every NetHustler calculator uses rates from the platform’s own fee pages, shows when they were last checked, and runs entirely in your browser, so nothing you enter is sent or stored.
Rates checked
Rates checked on 1 October 2026 against PayPal’s fee pages for the US (updated 1 October 2026), UK (15 July 2026), Canada (15 July 2026) and Australia (23 July 2026), and the US consumer fee page (19 May 2026). PayPal rounds each fee to the cent. When currency conversion is switched on, the calculator deducts PayPal’s fee first and applies the conversion spread to what remains; PayPal doesn’t document the exact order. Some accounts have custom pricing, so compare with the fee shown on a real transaction.
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. 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%.
2. 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.
3. 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.
4. 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.
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% |
PayPal fees in the UK, Canada and Australia
| Seller in | Standard rate | International buyer | QR code |
|---|---|---|---|
| United Kingdom | 2.9% + £0.30 (card without a PayPal account: 1.2% + £0.30) | +1.29% from the EEA, +1.99% elsewhere | 2% + £0.05 up to £10, then 1.5% + £0.10 |
| Canada | 2.9% + CA$0.30 (Pay Later: 4.9%) | +0.8% from the US, +1% elsewhere | 2.4% + CA$0.05 up to CA$10, then 1.9% + CA$0.10 |
| Australia | 2.9% + A$0.30 | +1% | 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.
| Currency received | Standard | QR and micropayments |
|---|---|---|
| US dollar (USD) | 0.49 USD | 0.09 USD |
| Euro (EUR) | 0.39 EUR | 0.07 EUR |
| British pound (GBP) | 0.39 GBP | 0.07 GBP |
| Canadian dollar (CAD) | 0.59 CAD | 0.11 CAD |
| Australian dollar (AUD) | 0.59 AUD | 0.12 AUD |
| New Zealand dollar (NZD) | 0.69 NZD | 0.13 NZD |
| Japanese yen (JPY) | 49 JPY | 9 JPY |
| Swiss franc (CHF) | 0.49 CHF | 0.08 CHF |
| Singapore dollar (SGD) | 0.69 SGD | 0.12 SGD |
| Mexican peso (MXN) | 9 MXN | 1.79 MXN |
| Swedish krona (SEK) | 4.09 SEK | 0.76 SEK |
| Polish zloty (PLN) | 1.89 PLN | 0.34 PLN |
| Brazilian real (BRL) | 2.90 BRL | 0.50 BRL |
PayPal Goods and Services vs Friends and Family
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. 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.
How to calculate PayPal fees
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 = (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.
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.
PayPal fee questions
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.