See exactly what PayPal takes from any payment — Checkout, card, Goods & Services, and more — or work backwards from the payout you want and let the calculator tell you what to charge. US merchant rates, dated and linked to PayPal's official fee page.
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PayPal fees come straight out of every payment you receive — and the rate depends on how the money arrives. This free PayPal fee calculatorapplies PayPal's published US merchant rates for Checkout, card, Goods & Services, QR code, Pay Later, and more, then shows your net payout and effective fee rate in a receipt-style breakdown. Add the international surcharge or currency conversion spread when they apply, or switch to reverse pricing to see exactly what to charge to net the amount you want — all client-side, no sign-up.
United States merchant rates, before any optional surcharges. PayPal fees vary by account type and country.
Estimates only. Fee rates can change — always confirm on the platform's official fee page before making pricing decisions.
Micropayment rate (4.99% + 0.09) would cost $5.08 on this payment — about $1.10 more than PayPal Checkout / Guest Checkout (3.49% + $0.49), so the standard rate is cheaper at this amount.
Rates last verified: 2026-10-13. PayPal Merchant Fees (US). PayPal last updated its published US merchant rates on October 1, 2026. This tool is not affiliated with PayPal. Estimates only — PayPal fees vary by account type and country.
| Payment amount | Checkout fee (3.49% + $0.49) | You receive | Goods & Services fee (2.99%) | You receive |
|---|---|---|---|---|
| $10.00 | −$0.84 | $9.16 | −$0.30 | $9.70 |
| $50.00 | −$2.24 | $47.76 | −$1.50 | $48.50 |
| $100.00 | −$3.98 | $96.02 | −$2.99 | $97.01 |
| $500.00 | −$17.94 | $482.06 | −$14.95 | $485.05 |
Standard US merchant rates with no international or currency conversion surcharges. Every number is computed by the same fee engine that powers the calculator above — and because Goods & Services has no fixed fee, it keeps more of small payments than Checkout does.
A PayPal fee calculatorworks out what PayPal deducts from a payment before the money reaches you. Enter the amount, pick the transaction type — checkout, card, Goods & Services, QR, and so on — and the tool applies PayPal's published US merchant rates plus any surcharges for international buyers or currency conversion. The result is a receipt-style breakdown: each fee line, your effective fee rate, and the exact amount you receive. Switch to reverse mode and the math flips — tell it how much you want to net, and it returns the price you need to charge, verified forward through the same fee engine.
Estimates only. Rates change — always confirm current fees on PayPal's official fee page before making pricing decisions.
Quote a project knowing exactly what a PayPal invoice leaves you. Switch to reverse mode to price a job so you net your full rate after every fee.
Marketplace payout not your only channel? Pair this with the Etsy fee calculator and the eBay fee calculator to see your true take-home before you set a price.
Selling $5 downloads or $10 add-ons? The micropayment comparison shows whether 4.99% + $0.09beats the standard rate — and when it doesn't.
Selling abroad? Add the 1.5% international surcharge and the 3% conversion spread to see what a cross-border payment really costs before you adjust your prices.
For a US merchant, standard PayPal Checkout payments — including guest checkout, Venmo, and invoices — cost 3.49% + $0.49 per transaction. Standard credit and debit card payments cost 2.99% + $0.49, and Goods & Services payments cost 2.99% with no fixed fee. QR code payments are 2.29% + $0.09, Pay Later is 4.99% + $0.49, and charity transactions are 1.99% + $0.49. International payments add 1.5%, and currency conversion adds a 3% spread.
On a $100 PayPal Checkout payment, the fee is $3.98 (3.49% + $0.49), so you receive $96.02. Goods & Services is cheaper: $2.99 (2.99%, no fixed fee), leaving you $97.01. Add 1.5% for an international payment and 3% for currency conversion if either applies — both stack on top of the base rate.
Yes — receiving business payments on PayPal costs a per-transaction fee that is deducted from the payment. Goods & Services, invoices, checkout, and card payments all carry the rates above, and there's no separate monthly fee at those rates. Personal transfers between friends and family are a different pricing category and aren't covered by this calculator; PayPal doesn't allow using them to take payment for goods or services.
For US merchants, Goods & Services payments cost 2.99% of the amount with no fixed fee. On $100 that's $2.99, leaving you $97.01. International Goods & Services transactions add the 1.5% international surcharge, and currency conversion adds a 3% spread when the payment is in a currency you don't hold.
It depends on how your customers pay and on Stripe's current rates for your country. For cards, PayPal's US merchant rate is 2.99% + $0.49 — compare that with Stripe's published card rate for a like-for-like quote. Two structural differences matter in practice: PayPal's Goods & Services rate (2.99%) has no fixed fee, which favors very small payments, while fixed fees hurt micro-payments most. Rates change on both platforms, so compare their live pricing pages — this calculator models PayPal's US merchant fees only.
PayPal adds a 1.5% international transaction surcharge when you receive a commercial payment from a buyer in another country, and it stacks on top of the base rate. If the buyer pays in a currency you don't hold, PayPal's currency conversion applies a 3% spread as well. On a $100 international Goods & Services payment with currency conversion, that's about $7.49 in total fees — a 7.49% effective rate.
The rates in this calculator were last verified on 2026-10-13 against PayPal's official merchant fee page (PayPal lists its last rate update as October 1, 2026). PayPal can change fees at any time, so confirm the current numbers on PayPal's fee page before making pricing decisions.