PayPal Fee Calculator
Pick PayPal Checkout, card, Pay Later or QR, enter order value, orders per month and the international share. See the fee per order, monthly fees, effective rate and net, or enter the amount you want to receive to get the price to charge. US commercial rates; estimates only, PayPal's fee page prevails.
Math runs in your browser. Nothing is uploaded.
Fees
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Effective rate and net to you
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Reverse: amount to charge
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Breakdown
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PayPal US commercial rates (updated 2026-10-01): PayPal Checkout / Guest / Venmo 3.49% + $0.49; standard credit/debit card 2.99% + $0.49; Pay Later 4.99% + $0.49; QR code 2.29% + $0.09; international commercial transactions +1.5%; standard dispute fee $15. Goods & Services personal payments are 2.99%. Currency conversion spreads (about 3–4%) are not included. Example: $49 via Checkout → 49 × 3.49% + $0.49 = $2.20.
Reverse formula: charge = (desired net + fixed fee) ÷ (1 − effective % rate). Example: to net $49 on PayPal Checkout, charge (49 + 0.49) ÷ (1 − 0.0349) = $51.28.
Estimates only. Official US list prices as of 2026-11-02 (Asia/Shanghai); the provider's pricing page prevails. Sources: PayPal business fees
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How it works
- What are PayPal's fees in 2026?
- US commercial rates (updated 2026-10-01): PayPal Checkout / Venmo 3.49% + $0.49, standard card 2.99% + $0.49, Pay Later 4.99% + $0.49, QR code 2.29% + $0.09; +1.5% for international transactions.
- What is the PayPal fee on $49?
- Via PayPal Checkout: 49 × 3.49% + $0.49 = $2.20, so you receive $46.80.
- How much should I charge to receive a set amount on PayPal?
- charge = (net + $0.49) ÷ (1 − 3.49%). To receive $49: (49 + 0.49) ÷ 0.9651 = $51.28. Add 1.5% to the rate for international buyers.
- Are currency conversion fees included?
- No. PayPal's currency conversion spread (about 3–4%) is not modeled; this calculator assumes USD-to-USD.
- Are there dispute fees?
- Yes, the standard dispute fee is $15 per dispute in USD; enter a monthly count to include it.