Payment fee calculators
What PayPal takes from money you receive outside a marketplace, in your country and currency. Each calculator also works in reverse, so you can invoice the amount that leaves you with what you need.
- PayPal Fee Calculator (US)Goods & Services, checkout, cards, invoices, QR and the international surcharge — your net, or the amount to request.
- PayPal Fee Calculator (UK)2.9% + £0.30 standard, EEA and international surcharges, in pounds.
- PayPal Fee Calculator (Canada)2.90% + C$0.30 standard, US and international surcharges, in Canadian dollars.
- PayPal Fee Calculator (Australia)2.90% + A$0.30 standard and the 1.00% international surcharge, in Australian dollars.
PayPal fees by country at a glance
PayPal sets fees by the country of the account that receives the money. The rate rises when the payer is abroad, and converting currency costs extra. These are the standard commercial rates on each country’s official fee page, with the date PayPal last updated it.
| Your account | Standard domestic fee | Payer abroad | Currency conversion | PayPal page updated |
|---|---|---|---|---|
| United States | 3.49% + $0.49 (checkout); 2.99% (Goods & Services) | +1.50% | 3% to 4% | 4 Nov 2026 |
| United Kingdom | 2.9% + £0.30 | +1.29% EEA, +1.99% elsewhere | 3% | 1 Oct 2026 |
| Canada | 2.90% + C$0.30 | +0.80% US, +1.00% elsewhere | at least 4% (3% some cases) | 4 Nov 2026 |
| Australia | 2.90% + A$0.30 | +1.00% | 3% to 4% | 13 Oct 2026 |
Three ways sellers overpay PayPal
- Invoicing the round number. Ask for $500 and you keep about $482.06 at the US checkout rate. Use the “I want to receive” box to find the amount to invoice instead.
- Ignoring the payer’s country. A UK account receiving from a US buyer pays 4.89% plus the fixed fee, not 2.9%.
- Letting PayPal convert currency. Conversion adds 3% to 4% on top of the fee; holding a balance in the received currency avoids it until you choose to convert.
Selling on a marketplace that runs its own payments, such as eBay, Mercari or Depop? Their processing is already inside the marketplace calculators; Discogs is the exception, where PayPal’s fee is charged on top and is included in the Discogs calculator.