PayPal Fee Calculator
Calculate PayPal transaction fees instantly for any payment type. See exactly how much you receive after fees — or how much to charge to hit your target net amount.
Standard PayPal button and guest checkout on your website
PayPal Fee
$3.98
3.98% effective
You Receive
$96.02
after all fees
Full Breakdown
PayPal Merchant Fee Rates (US, 2026)
All rates for US merchant accounts. Rates are set by PayPal and subject to change. Verify current rates on paypal.com.
| Transaction Type | Domestic Rate | Fixed Fee | International (+1.50%) |
|---|---|---|---|
| PayPal Checkout / Guest CheckoutStandard PayPal button and guest checkout on your website | 3.49% | $0.49 | 4.99% + $0.49 |
| Standard Credit/Debit CardCard processing via PayPal Commerce Platform | 2.99% | $0.49 | 4.49% + $0.49 |
| QR Code TransactionIn-person payments via PayPal QR code | 2.29% | $0.09 | 3.79% + $0.09 |
| InvoicingPayPal invoice sent to customers | 3.49% | $0.49 | 4.99% + $0.49 |
| MicropaymentsSmall transactions (under ~$10 each) | 4.99% | $0.09 | 6.49% + $0.09 |
Source: PayPal Merchant Fees (paypal.com). Rates verified June 2026. Additional fees may apply for currency conversion, chargebacks, and PayPal Seller Protection.
How PayPal Fees Work
Percentage + Fixed
Every PayPal transaction has two parts: a percentage of the transaction amount and a flat fixed fee. Both are deducted before the money reaches your account.
Type Matters
The rate depends on how the payment is processed: checkout button, QR code, invoice, or card. Micropayments have a higher percentage but a lower fixed fee — better for small-value transactions.
Cross-Border Extra
Payments from buyers in a different country add a 1.50% cross-border fee on top of the standard rate. Currency conversion fees may also apply separately.
Who Uses This Calculator
Anyone accepting PayPal payments needs to know what they actually keep after fees.
Freelancers and Consultants
Calculate the gross amount to put on invoices so you receive your target rate after PayPal takes its cut — without eating into your effective hourly rate.
E-commerce Sellers
Know the exact fee on each order before you set prices. Use the rate table to decide whether PayPal Checkout or QR code is cheaper for your sales channel.
International Sellers
The cross-border toggle reveals your true cost of accepting global payments, including the 1.50% surcharge that many sellers overlook when setting international prices.
Small Business Owners
Plan cash flow accurately by knowing net receipts after PayPal fees. PayPal fees are a business expense — track them monthly for tax deductions on Schedule C.
What's Included
All 5 Transaction Types
Covers PayPal Checkout, standard card, QR code, invoicing, and micropayments — each with its correct official rate.
Gross-Up Mode
Switch to "I want $X net" to instantly compute how much to charge so you receive your exact target amount after fees.
International Toggle
One click adds the 1.50% cross-border surcharge so you see the real cost of international transactions.
Live Rate Display
The calculator shows the exact formula (% + fixed fee) applied to your inputs, so you can verify the math yourself.
Why Use This Calculator
Price Correctly the First Time
Stop guessing. Know your exact net before you send an invoice or list a product — no more discovering you made less than expected.
Compare Transaction Types
Switch between checkout, QR code, and micropayments to find the lowest-cost option for your specific transaction size and channel.
Plan Your Cash Flow
Accurate fee projections help you predict monthly net receipts and track PayPal fees as a deductible business expense.
Frequently Asked Questions
Official References
- PayPal Merchant Fees — US Business Accounts
Official PayPal fee schedule for US merchants. Rates used in this calculator sourced here.
- PayPal Help: What are PayPal Fees?
PayPal's consumer-facing explanation of how transaction fees are calculated.
- IRS: Deducting Business Expenses
PayPal fees are deductible business expenses under IRC §162 as ordinary and necessary costs.
This calculator provides estimates based on PayPal's published US merchant rates as of June 2026. Actual fees may differ based on your account type, volume discounts, and PayPal policy changes. Always verify current rates at paypal.com before setting prices.