PayPal Fee Calculator

Work out PayPal's fee on a payment, or how much to ask for so you receive the full amount.

Amount received from buyer

PayPal rate (%)

Fixed fee

International surcharge

Currency

You receive

$192.53

PayPal fee: $7.47
Effective fee rate: 3.74%

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Fees checked September 17, 2026Official fee page

How to use the PayPal fee calculator

Choose "Fee on a payment" or "Amount to charge".
Check the rate. The default is PayPal's US rate for PayPal Checkout and goods and services payments: 3.49% + 0.49.
Add 1.5% if the payment comes from outside your country.

PayPal fee formulas

Fee = Amount × (Rate % + International %) + Fixed fee

You receive = Amount − Fee

Amount to charge = (Target + Fixed fee) ÷ (1 − Total %)

Fees change often and differ by country and account. Defaults reflect US fees checked in September 2026; always confirm on the official pricing page. Other products such as card payments through PayPal, invoicing and in-person payments have different rates.

Example

A 200 goods and services payment costs 200 × 3.49% + 0.49 = 7.47, so you receive 192.53. To receive exactly 200, request (200 + 0.49) ÷ 0.9651 = 207.74.

PayPal fees for business payments

As of September 2026, PayPal's US fee for PayPal Checkout and goods and services payments is 3.49% plus a fixed fee of 0.49 for payments in US dollars, with an extra 1.5% for international transactions. Fixed fees vary by currency.

Friends and family vs goods and services

Payments for goods and services carry fees but include purchase protection. Sending money to friends and family is often free domestically, but it should not be used for business sales.