PayPal Fee Calculator

PayPal's standard fee for Goods & Services transactions is 2.9% + $0.30 for domestic US transactions. PayPal Checkout charges 3.49% + $0.49, while QR code payments are 2.29% + $0.09. International transactions incur an additional 1.5% fee. Personal payments (Friends & Family) are typically free when funded by bank account or PayPal balance within the US.

International PayPal transactions include the standard transaction fee plus an additional 1.5% international fee. If currency conversion is involved, PayPal applies a currency conversion spread of approximately 3-4% above the wholesale exchange rate. These fees can significantly impact the total cost of international payments and should be factored into pricing decisions.

Goods & Services payments are for business transactions and include buyer protection, but incur PayPal fees (2.9% + $0.30). Personal payments (Friends & Family) are for non-commercial transactions between trusted parties, typically free within the US when funded by bank account, but offer no buyer protection or dispute resolution capabilities.

Yes, you can build PayPal fees into your pricing by calculating the total amount needed to receive your desired payment after fees. Many businesses either increase their prices to cover fees or add a separate processing fee. Our calculator helps determine exactly how much to charge to receive your target amount after all PayPal fees are deducted.

PayPal micropayments have a different fee structure of 5% + $0.05 per transaction, which can be more cost-effective for small transactions under approximately $12. This option must be enabled on your PayPal account and is beneficial for digital goods, downloads, or small-value transactions where standard fees would be disproportionately high relative to the transaction amount.

To reduce PayPal fees: encourage customers to use bank accounts instead of credit cards for payments, consolidate smaller transactions when possible, consider PayPal's micropayment rates for small transactions, maintain good account standing to potentially qualify for volume discounts, and compare PayPal's rates with other payment processors for your specific transaction volume and business needs.

PayPal Personal accounts can receive payments for goods and services but with the same fee structure as Business accounts. Business accounts offer additional features like multiple user access, business name display, and advanced reporting. The transaction fees are generally the same, but Business accounts may qualify for volume-based rate reductions and additional payment processing options.

Beyond PayPal's transaction fees, consider: chargeback fees ($20 per disputed transaction), currency conversion costs for international payments, potential account holds or reserves for new businesses, monthly fees for certain premium features, and the cost of integrating PayPal into your website or shopping cart system. Factor these into your overall payment processing budget.

Our PayPal fee calculator uses the most current fee structures available as of 2025. However, PayPal may update their fees periodically, and some accounts may qualify for custom rates based on volume or special agreements. Always verify current rates on PayPal's official website for the most accurate information, especially for high-volume or specialized business arrangements.

PayPal fees are automatically deducted when you receive a payment. If you receive $100 for a Goods & Services transaction, PayPal will deduct their fee (typically around $3.20) and deposit the net amount ($96.80) into your PayPal balance. The fees are taken immediately upon receipt of payment, not when you withdraw funds to your bank account.