| Transaction Type | Percentage | Fixed Fee |
|---|---|---|
| PayPal Checkout | 3.49% | $0.49 |
| PayPal Guest Checkout | 3.49% | $0.49 |
| Standard Credit/Debit Card | 2.99% | $0.49 |
| Send/Receive Goods & Services | 2.99% | $0.00 |
| QR Code Transaction | 2.29% | $0.09 |
| PayPal Pay Later | 4.99% | $0.49 |
| Invoicing (PayPal/Venmo) | 3.49% | $0.49 |
| Invoicing (Card/Apple Pay) | 2.99% | $0.49 |
| Virtual Terminal | 3.39% | $0.29 |
| POS - Card Present (Zettle) | 2.29% | $0.09 |
| POS - Manual Entry | 3.49% | $0.09 |
| Micropayments | 4.99% | $0.09 |
| Charity/Nonprofit | 1.99% | $0.49 |
| International Add-on | +1.50% | - |
PayPal fees are calculated using the formula: Fee = (Amount × Percentage Rate) + Fixed Fee
For example, a $100 PayPal Checkout transaction would cost: ($100 × 3.49%) + $0.49 = $3.98 total fee
You would receive: $100 - $3.98 = $96.02
Our PayPal fee calculator helps you instantly calculate fees for any transaction in the United States. Whether you're a freelancer, small business owner, or online seller, this tool gives you accurate results based on the latest 2025 rates.
Need to estimate PayPal fees before sending an invoice? Simply enter your amount, select your transaction type, and see exactly what you'll pay and what you'll receive. The calculator also shows how much to charge if you want to receive a specific amount after fees.
This calculator covers all PayPal transaction types:
Running a business? Understanding your PayPal merchant fees is essential for pricing products correctly. Business accounts pay the same transaction fees as personal accounts, but gain access to invoicing, multi-user access, and detailed reporting. Use this calculator to see your PayPal processing fees before accepting payments.
A common question: what's the PayPal friends and family fee? When sending money to friends and family (funded by bank or PayPal balance), there's no fee for domestic transfers. However, the PayPal goods and services fee of 2.99% applies when you're selling items or services—this provides buyer and seller protection that friends and family payments don't include.
Wondering about PayPal withdrawal fees? Transferring money from PayPal to your bank account is free for standard transfers (1-3 business days). Instant transfers to your bank or debit card cost 1.75% of the amount (minimum $0.25, maximum $25). Use this calculator to factor in these PayPal transfer fees when planning your cash flow.
When receiving international payments, PayPal charges a currency conversion fee of approximately 4% above the base exchange rate. This is in addition to the 1.50% international transaction fee. If you regularly receive payments in foreign currencies, consider holding balances in multiple currencies to avoid repeated conversion fees.
Need to calculate PayPal fees for other countries? We have dedicated calculators for:
PayPal charges between 2.29% to 4.99% plus a fixed fee of $0.09 to $0.49 depending on the transaction type. Standard online payments are 2.99% + $0.49.
PayPal adds an additional 1.50% fee for international transactions on top of the standard domestic rates. Currency conversion adds approximately 4% to the exchange rate.
When receiving money for goods and services, PayPal charges 2.99% + $0.49 for standard transactions. For PayPal Checkout, the fee is 3.49% + $0.49. Receiving money from friends and family (domestic, funded by bank) is free.
Sending money to friends and family within the US is free when funded by your PayPal balance or bank account. Sending via credit or debit card incurs a 2.99% fee. Sending money internationally has additional fees based on the destination country.
PayPal seller fees range from 2.29% to 3.49% plus a fixed fee, depending on how the buyer pays. Most online sellers pay 2.99% + $0.49 per transaction. High-volume sellers may qualify for discounted merchant rates.
PayPal invoice fees are 3.49% + $0.49 when paid via PayPal or Venmo, and 2.99% + $0.49 when paid by card or Apple Pay. There's no fee to create and send invoices—you only pay when you receive payment.
Yes, qualified nonprofits can get reduced PayPal donation fees of 1.99% + $0.49 for most transaction types. You'll need to confirm your 501(c)(3) status with PayPal to access charity rates.
Standard withdrawals to your bank account are free (1-3 business days). Instant transfers cost 1.75% of the amount, with a minimum fee of $0.25 and maximum of $25.
QR Code transactions offer the lowest rates at 2.29% + $0.09, followed by Point of Sale card-present transactions at 2.29% + $0.09. These are ideal for in-person businesses.
PayPal's standard rate of 2.99% + $0.49 is slightly higher than Stripe (2.9% + $0.30) and Square (2.9% + $0.30) for online payments. However, PayPal's in-person QR code rate of 2.29% + $0.09 is competitive with Square's 2.6% + $0.10.
No, PayPal does not charge monthly fees for standard business or personal accounts. You only pay transaction fees when you receive payments. Some advanced features like PayPal Payments Pro have monthly fees.
PayPal charges a $20 fee for chargebacks and disputes. This fee may be waived if the dispute is resolved in your favor and you're enrolled in PayPal Seller Protection.
PayPal charges between 2.29% to 4.99% plus $0.09 to $0.49 in fixed fees depending on how customers pay. Here's the breakdown:
The fee you pay depends on how the sender pays:
When someone pays you for products or services, you'll pay:
There's no PayPal fee for receiving money from friends and family when the sender uses their PayPal balance or bank account. However, if they pay with a credit or debit card, they'll pay 2.99%. Note: Friends and family payments don't include buyer or seller protection.
Sending money costs vary based on funding source and destination:
PayPal invoicing is free to use—you only pay when clients pay. The fees depend on how they pay:
For a $1,000 invoice paid via PayPal, you'd pay $35.39 in fees and receive $964.61.
The cheapest way to accept PayPal payments in-person:
Ideal for: coffee shops, food trucks, retail stores, farmers markets, trade shows
Using PayPal's card reader for in-person payments:
Better for transactions under $10:
Registered 501(c)(3) nonprofits qualify for reduced PayPal charity rates:
To qualify, confirm your nonprofit status in your PayPal account settings.
PayPal's installment options carry higher fees but can increase conversion rates:
International transactions add 1.50% to base rates. Here's what to expect:
Getting money out of PayPal:
When you issue a refund:
Business accounts have the same fee structure but include valuable features:
There's no monthly fee for a standard PayPal business account.
High-volume merchants may qualify for reduced merchant rates:
PayPal reports payments to the IRS when you exceed:
PayPal integrates with major platforms:
| Provider | Online Rate | In-Person Rate | Monthly Fee |
|---|---|---|---|
| PayPal | 2.99% + $0.49 | 2.29% + $0.09 | $0 |
| Stripe | 2.9% + $0.30 | 2.7% + $0.05 | $0 |
| Square | 2.9% + $0.30 | 2.6% + $0.10 | $0 |
| Authorize.Net | 2.9% + $0.30 | N/A | $25 |
Key takeaways: PayPal has a higher fixed fee for online transactions ($0.49 vs $0.30), but offers the lowest in-person rates via QR codes and Zettle. Stripe is often preferred by developers for its API, while Square excels at point-of-sale solutions.
When customers pay with credit or debit cards through PayPal:
PayPal handles all PCI compliance requirements, so you don't need separate card processing infrastructure.