Free calculator · US rates checked 4 November 2026
PayPal fee calculator: what you receive, and what to ask for
Enter an amount and the kind of payment. You get PayPal's fee, what lands in your account, and the amount to ask for if you need to receive that amount in full.
PayPal fees for US businesses in 2026
| Payment | Fee |
|---|---|
| PayPal Checkout (and invoices paid with PayPal) | 3.49% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| Goods and services payment sent to your PayPal account | 2.99% |
| Standard credit and debit card payments | 2.99% + $0.49 |
| QR code payments | 2.29% + $0.09 |
| Micropayments (accounts set up for it) | 4.99% + $0.09 |
| Payments from buyers outside the US | add 1.50% |
Converting a payment into another currency costs extra on top (PayPal adds a margin to the exchange rate), and chargebacks and disputes have their own fees. Payments between friends and family from a bank or PayPal balance are free in the US.
Questions people ask
How much is PayPal's fee on $100?
For a PayPal Checkout payment, 3.49% + $0.49 = $3.98, so you receive $96.02. For a goods and services payment sent to your PayPal email, 2.99% = $2.99. From a buyer outside the US, add 1.5%.
How do I make the buyer cover the PayPal fee?
Ask for the amount the calculator shows under "Ask for". It adds the fee so that, after PayPal takes it, you receive the full amount. Some card networks and states limit surcharges on card payments, so check before you add a fee line on invoices.
Why does PayPal charge a fixed fee?
The fixed part ($0.49 on most payments) is charged once per payment. On small payments it is a large share: on a $5 payment, PayPal Checkout takes $0.66, or 13%.
Do eBay sales pay PayPal fees?
No. eBay's own fees include payment processing. Use the eBay fee calculator for eBay sales.
Compare: Stripe fee calculator · Shopify fee calculator.
Source: PayPal business fees (US), "last updated November 4, 2026", read the same day. Fees differ in other countries. Related: eBay fee calculator · Etsy fee calculator.