PayPal Fee Calculator
See exactly what PayPal takes for checkout, Goods & Services, and invoice payments — or work backward from what you want to receive.
Business account rates shown below. Personal account fees differ.
Tell us what you want to receive — we'll find the smallest amount to charge.
Rates verified: October 2026 · US business accounts · PayPal's fee page last updated October 1, 2026
How PayPal fees work
Online checkout, guest checkout, and Venmo payments in the US.
Direct payments with purchase protection. PayPal's table shows no fixed fee on this row — our literal reading; we'll update if clarified.
Card, Apple Pay and digital wallets: 2.99% + $0.49. Pay by Bank (ACH transfer): 1%, capped at $10 per invoice. Pay Later invoices: 4.99% + $0.49.
Added on top of the domestic rate for international commercial transactions. Currency conversion (about 3–4% inside the exchange rate) is separate.
A $100 sale via PayPal Checkout:
| Fee (3.49% × $100.00) | $3.49 |
| Fixed fee | $0.49 |
| Total fees | $3.98 |
| You receive | $96.02 |
Try these numbers in the calculator above — you'll get exactly the same result.
- October 2026 — All rates verified against PayPal's official US merchant fee page (page last updated October 1, 2026). Checkout 3.49% + $0.49 · G&S 2.99% (no fixed fee per literal table reading) · Invoice card 2.99% + $0.49 · Invoice ACH 1% capped at $10 · International +1.50%.
FAQ
Does PayPal charge a fixed fee on Goods and Services payments?
PayPal's official US merchant fee table lists Goods and Services at 2.99% with no fixed fee shown. That's our literal reading of the table; we'll update if PayPal clarifies.
What are PayPal's invoice fees?
It depends on how your client pays: credit/debit card, Apple Pay or digital wallets: 2.99% + $0.49. Pay by Bank (ACH transfer): 1%, capped at $10 per invoice. PayPal Pay Later: 4.99% + $0.49. Add 1.50% for international invoices (not applicable to Pay by Bank / ACH).
How much does PayPal take from a $100 sale?
Via PayPal Checkout: $3.98 (3.49% + $0.49) — you keep $96.02. Via Goods and Services: $2.99 — you keep $97.01.
Why do PayPal fee calculators show different numbers?
Because the fee depends on the scenario — checkout, direct Goods & Services, or invoice — and on whether the buyer pays by card or bank transfer. Many calculators show a single rate; this one lets you pick the scenario you're actually using.