PayPal fee calculator for 2026 rates

Each payment costs a percentage of the amount plus a fixed fee that depends on the currency. For PayPal Checkout in US dollars that is 3.49% + $0.49: on $100 the percentage is $3.49, the fixed fee $0.49, and you receive $96.02. With a buyer outside the US the same payment costs $5.48.

To receive an exact amount, divide what you need plus the fixed fee by what is left of each dollar after the percentage. To receive $100 through Checkout, ask for $104.12: PayPal’s fee on that is $4.12, which leaves exactly $100. The calculator checks the answer to the cent, because the formula alone can be a cent out after rounding.

PayPal keeps its fee when you refund a payment: its fee page says the fees you paid to receive the payment are not returned, for full and partial refunds.

Fee = amount × rate + fixed fee
You receive = amount − fee
Amount to ask for = (amount you want + fixed fee) ÷ (1 − rate)

All from PayPal’s merchant fees and consumer fees pages.

• International buyers: business payments from a buyer in another country cost 1.5% more. PayPal counts a payment as international when the sender and receiver are in different countries.
• Currency conversion: 3% above the exchange rate when you convert money in your account, and 4% when a buyer pays in a currency other than the one you listed in.
• Instant transfer to your bank: 1.75% for personal accounts (min $0.25, max $25.00), 1.5% for business accounts (min $0.50). A standard transfer is free.
• Friends and family: free in the US from a PayPal balance or bank account. Paid by card, the sender pays 2.9% + $0.30. Sending abroad adds 5% (min $0.99, max $4.99).
• Disputes: $15.00 per dispute, or $30.00 for sellers with a high dispute rate. The standard fee is returned if you win. Card chargebacks outside a PayPal account or guest checkout cost $20.00.
• Refunds: PayPal keeps the fee from the original payment, both the percentage and the fixed fee.

• Invoice large amounts by bank: an invoice paid from a US bank account costs 1% (max $10.00). On a $5,000 invoice that is $10, against $149.99 when the same invoice is paid by card.
• Use goods and services for direct payments: money sent to you for goods or services from a PayPal account costs 2.99%, so $2.99 on $100.
• Take cards on your own checkout: Advanced Credit and Debit Card Payments cost 2.89% + $0.29, less than PayPal Checkout. It needs card fields on your own checkout page.
• Use a QR code in person: QR code payments cost 2.29% + $0.09.
• Avoid conversions: list prices in the currency you want to be paid in, and hold balances in the currencies you receive often, so PayPal doesn’t convert each payment.
• Price the fee in: use “How much to ask for” to set a price or an invoice total that leaves what you need. Our profit margin calculator adds PayPal’s fee to your costs for a full margin.