PayPal Fee Calculator
Calculate the PayPal fee on a payment and how much you receive.
PayPal fee table last updated · reference source
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
Fee figures are stored in our static fee table and change over time. Confirm current rates against the platform's official fee page before relying on them.
What this tool does
This calculator shows the fee PayPal deducts from a US payment and the net amount that lands in your balance, using PayPal's published commercial rates and the 1.5% international surcharge.
How to use the PayPal Fee Calculator
- Enter the payment amount the sender pays.
- Choose the transaction type.
- Select whether the payment is international.
- Read the fee and the amount you receive.
Formula
Fee = A × (r + i) + f; Net = A − Fee
- A
- Payment amount
- r
- Percentage rate (e.g. 3.49%)
- i
- International surcharge (1.5% or 0)
- f
- Fixed fee (e.g. $0.49)
Worked example
A $100 Goods & Services payment from a US buyer.
Inputs
- Payment amount$100
- Transaction typeGoods & Services (PayPal checkout) — 3.49% + $0.49
- International payment?No (domestic US)
Result
- PayPal fee$3.98
- You receive$96.02
- Effective rate3.98%
PayPal US commercial rates
| Type | Rate | Fixed |
|---|---|---|
| Goods & Services (PayPal checkout) | 3.49% | $0.49 |
| Standard card processing | 2.99% | $0.49 |
| QR code transactions over $10 | 1.90% | $0.10 |
| Micropayments (opt-in) | 5.00% | $0.09 |
Results explained
- PayPal fee
- Total amount PayPal keeps.
- You receive
- Amount credited to your PayPal balance.
- Effective rate
- Fee ÷ payment amount; higher on small payments due to the fixed fee.
Frequently asked questions
In the US it is 3.49% plus a fixed $0.49 per transaction for domestic payments.
At 3.49% + $0.49 the fee on $100 is $3.98, so you receive $96.02.
Sending to friends and family from a balance or bank is free domestically; funding by card costs 2.9% + $0.30 to the sender.
PayPal adds 1.5% to the commercial rate for payments received from outside the US.
For Goods & Services the seller (recipient) pays the fee. Use the Reverse PayPal Fee Calculator to charge enough to cover it.