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PayPal Fee Calculator
Find out how much PayPal takes from a payment and what you keep, or work out how much to charge to receive an exact amount.
- Fee
- $0.00
- You receive
- $0.00
- Effective rate
- 0.00%
Rates checked on November 7, 2026 from https://www.paypal.com/us/business/paypal-business-fees; fees can change, edit the fields if yours differ. The goods and services (send money) rate of 2.99% on the same page is not preloaded; use Custom if you need it.
For a US business account, PayPal charges 3.49% plus $0.49 on a standard checkout payment, or 2.99% plus $0.49 on card payments, based on PayPal's published rates. On a $100 checkout payment that is a $3.98 fee, so you keep $96.02. International payments add 1.50%. Confirm the rates in your own account.
The formula
You receive = amount - fee
To receive a target amount: charge = (target + fixed fee) / (1 - percentage)
Worked example
Amount: $100.00 paid with PayPal Checkout. Rate: 3.49% plus $0.49.
Percentage part: $100.00 x 0.0349 = $3.49. Add the fixed fee: $3.49 + $0.49 = $3.98.
You receive $100.00 - $3.98 = $96.02. The effective rate is 3.98%.
Reverse: to receive exactly $100.00, charge $104.12. Check: $104.12 x 0.0349 = $3.63, plus $0.49 = $4.12, and $104.12 - $4.12 = $100.00.
Frequently asked questions
How much does PayPal charge to receive money?
For US business accounts, PayPal's fee page lists 3.49% plus a fixed fee of $0.49 for PayPal Checkout, Guest Checkout and Pay with Venmo, and 2.99% plus $0.49 for standard credit and debit card payments. QR code payments are 2.29% plus $0.09. Your own account may have different rates.
How do I calculate PayPal fees?
Multiply the payment by the percentage rate, then add the fixed fee. On a $100 checkout payment at 3.49% plus $0.49, the fee is $3.49 plus $0.49, which is $3.98. Subtract it from the payment to get what you receive: $96.02.
How much should I charge to receive an exact amount after PayPal fees?
Add the fixed fee to the amount you want to keep, then divide by one minus the percentage rate written as a decimal. To keep $100 at 3.49% plus $0.49, divide $100.49 by 0.9651, which gives about $104.12. Use the How much to charge option above to do this for any amount.
Does PayPal charge extra for international payments?
PayPal's fee page lists an additional 1.50% on international commercial transactions. Currency conversion is a separate spread, listed as 3.00% for most transactions and 4.00% for some cases such as paying in a currency other than the listed one. Tick the add-on boxes above to include them.
Is the PayPal fixed fee always $0.49?
No. The $0.49 fixed fee applies to payments received in US dollars. PayPal lists a different fixed fee for each other currency, for example 0.39 GBP and 0.49 CHF. If you receive another currency, type your fixed fee into the field.
Is this an official PayPal calculator?
No. Fees & Hours is an independent site and is not affiliated with PayPal. The default rates were copied from PayPal's public US business fee page on the date shown below the calculator. PayPal can change its fees, so check your own account if the exact amount matters.
Independent tool, not affiliated with PayPal. Results are estimates; your account may have different rates.