PayPal Fee Calculator (US)
Pick how the buyer paid, enter the amount and see PayPal's fee and your net. Enter the amount you need to keep and the calculator tells you what to request or invoice. Rates are from PayPal's US merchant fee page, last updated by PayPal on 4 November 2026.
Rates verified Nov 6, 2026Source: PayPal US — Merchant fees (last updated Nov 4, 2026)
What you keep
Net payout
$97.01
Total fees
$2.99
2.99% of gross
Profit
$97.01
Margin on price
97%
| Buyer paid | $100.00 |
|---|---|
| PayPal fee2.99% of $100.00 | −$2.99 |
| Net payout | $97.01 |
How PayPal fees work in the US
Every commercial payment costs a percentage of the amount received plus, for most payment types, a fixed fee per payment. The percentage depends on how the buyer paid, not on what you sold. If the payer is outside the US, 1.50% is added to the percentage. If the money has to be converted to another currency, PayPal applies its conversion margin on top.
| Payment type (domestic) | Fee |
|---|---|
| PayPal Checkout, guest checkout, Pay with Venmo | 3.49% + $0.49 |
| Standard credit and debit card payments | 2.99% + $0.49 |
| Send/receive money for Goods and Services | 2.99% |
| QR code transactions | 2.29% + $0.09 |
| Invoice paid with PayPal or Venmo | 3.49% + $0.49 |
| Invoice paid by card or Apple Pay | 2.99% + $0.49 |
| Invoice paid by bank (ACH) | 1%, capped at $10.00 |
| PayPal Pay Later | 4.99% + $0.49 |
| Micropayments (approved accounts) | 4.99% + $0.09 |
| Charity (pre-approved) | 1.99% + $0.49 |
| International surcharge | +1.50% on any of the above |
Worked example
A buyer in Canada pays you $250.00 through PayPal Checkout. The rate is 3.49% plus the 1.50% international surcharge, so 4.99% of $250.00 is $12.48, plus the $0.49 fixed fee: $12.97 in fees and $237.03 received. If you then convert the money to Canadian dollars, PayPal takes a further 3.00% of the converted amount.
Other countries
PayPal publishes different rates for each country of the receiving account: United Kingdom, Canada and Australia have their own calculators.
Not covered here
- Card-services products (Payments Pro, Advanced Card Payments, Virtual Terminal, Interchange Plus Plus) and alternative payment methods, which have their own rate cards on the same page.
- Withdrawal fees: standard transfers to a bank are free; Instant Transfer costs 1.50% (minimum $0.50) on business accounts and 1.75% (minimum $0.25, maximum $25.00) on personal accounts.
- Negotiated or volume rates.
Questions sellers ask
- What is the PayPal fee for Goods and Services?
- On the US merchant fee page updated 4 November 2026, money received for goods and services is listed at 2.99% with no fixed fee on that row. Payments that come through PayPal Checkout, guest checkout or Pay with Venmo are 3.49% plus $0.49, and card payments through standard checkout are 2.99% plus $0.49.
- How much does PayPal take from $100?
- For a $100 Goods and Services payment from a US payer, $2.99, leaving $97.01. Through PayPal Checkout it is $3.98, leaving $96.02. Add 1.50% if the payer is outside the US.
- How much should I invoice to receive $100?
- Type 100 in the 'I want to net' box and the calculator solves it: about $103.08 for a Goods and Services payment at 2.99%, or $104.14 for a checkout payment at 3.49% plus $0.49. The exact figure depends on the payment type you pick.
- Are friends and family payments free?
- Sending to friends and family in the US from a PayPal balance, bank account or PayPal debit card has no fee; funding it from a card costs 2.90% plus $0.30 to the sender, and international personal payments cost 5% with a $0.99 minimum and $4.99 maximum. Receiving a personal payment is free. Using friends and family for a sale breaks PayPal's rules and removes buyer and seller protection.
- What is the currency conversion fee?
- 4.00% when paying in a currency other than the one listed, sending friends and family money in a different currency, or PayPal Payouts in a different currency; 3.00% for all other transactions that involve conversion.
- What about chargebacks and disputes?
- A chargeback costs $20.00 and a standard dispute $15.00 ($30.00 for high-volume dispute accounts). These are per event, not per sale, so they are not in the per-payment calculation.
Related calculators
- eBay Fee Calculator (US)Final value fee by category, per-order fee, promoted listings, international fee — and your profit.
- Discogs Fee Calculator9% selling fee with per-currency minimum and maximum, plus PayPal processing.
- Reverb Fee Calculator5% selling fee with floor and cap, 3.19% + $0.49 processing, Bump and cross-border fees.
Sources and verification dates
- PayPal US — Merchant fees (last updated Nov 4, 2026) — checked Nov 6, 2026, in effect since Nov 4, 2026
- PayPal US — Consumer fees (last updated May 19, 2026) — checked Nov 6, 2026, in effect since May 19, 2026
Every value on this page is read from the linked official pages on the date shown. If a platform changes a fee, the change log records the old and new values and the effective date.