Payments · Free tool

PayPal Fee Calculator

Enter a payment amount. See what PayPal keeps, what you receive, and what to charge if you need the full amount, at PayPal's current US business rates.

By Riley Park · Last verified: October 2026

Paid with PayPal or Venmo
3.49% + 49¢ · Includes PayPal guest checkout
PayPal keeps
$3.98
You receive
$96.02
To receive the full $100.00, charge $104.13.
Paid by credit or debit card
2.99% + 49¢ · Through PayPal checkout or an invoice
PayPal keeps
$3.48
You receive
$96.52
To receive the full $100.00, charge $103.59.
+ 1.5% if the customer is outside the US
+ 3% if PayPal converts the currency

Customers who pay with their PayPal or Venmo account cost you more than customers paying by card through PayPal. Selling in person, sending invoices paid by bank, or offering Pay Later? See every PayPal rate below.

Every PayPal rate, on a $100.00 payment

PayPal's published US rates. Change the amount in the calculator above and this table updates too.

PayPal Checkout (customer pays with PayPal)
Product: Online
Rate: 3.49% + 49¢
Fee: $3.98
You receive: $96.02
Pay with Venmo
Product: Online
Rate: 3.49% + 49¢
Fee: $3.98
You receive: $96.02
PayPal Guest Checkout
Product: Online
Rate: 3.49% + 49¢
Fee: $3.98
You receive: $96.02
PayPal Pay Later
Product: Online
Rate: 4.99% + 49¢
Fee: $5.48
You receive: $94.52
Standard credit and debit card payments
Product: Online
Rate: 2.99% + 49¢
Fee: $3.48
You receive: $96.52
Advanced Credit and Debit Card Payments
Product: Online
Rate: 2.89% + 29¢
Fee: $3.18
You receive: $96.82
Payments Advanced ($5/mo) or Payments Pro ($30/mo)
Product: Online
Rate: 2.89% + 49¢
Fee: $3.38
You receive: $96.62
Virtual Terminal (card typed in)
Product: Online
Rate: 3.39% + 29¢
Fee: $3.68
You receive: $96.32
Receiving money for goods and services (Send/Receive)
Product: Online
Rate: 2.99%
Fee: $2.99
You receive: $97.01
Micropayments pricing (must be enabled on the account)
Product: Online
Rate: 4.99% + 9¢
Fee: $5.08
You receive: $94.92
Invoice paid with PayPal, Venmo or Guest Checkout
Product: Invoicing
Rate: 3.49% + 49¢
Fee: $3.98
You receive: $96.02
Invoice paid by card, Apple Pay or other wallet
Product: Invoicing
Rate: 2.99% + 49¢
Fee: $3.48
You receive: $96.52
Invoice paid with Pay Later
Product: Invoicing
Rate: 4.99% + 49¢
Fee: $5.48
You receive: $94.52
Invoice paid with Pay by Bank (ACH)
Product: Invoicing
Rate: 1%, $10 cap
Fee: $1.00
You receive: $99.00
ACH payments (online payment services)
Product: Online
Rate: 0.8%, $5 cap
Fee: $0.80
You receive: $99.20
Card present: tap, dip or swipe
Product: In person (PayPal POS)
Rate: 2.29% + 9¢
Fee: $2.38
You receive: $97.62
Card typed in on PayPal POS
Product: In person (PayPal POS)
Rate: 3.49% + 9¢
Fee: $3.58
You receive: $96.42
QR code payment
Product: In person (PayPal POS)
Rate: 2.29% + 9¢
Fee: $2.38
You receive: $97.62
POS payment link paid with PayPal, Venmo or Pay Later
Product: In person (PayPal POS)
Rate: 3.49% + 49¢
Fee: $3.98
You receive: $96.02
POS payment link paid by card or wallet
Product: In person (PayPal POS)
Rate: 2.99% + 49¢
Fee: $3.48
You receive: $96.52
Donate button and PayPal Checkout for donations
Product: Nonprofits
Rate: 2.89% + 49¢
Fee: $3.38
You receive: $96.62
Confirmed charity (pre-approval required)
Product: Nonprofits
Rate: 1.99% + 49¢
Fee: $2.48
You receive: $97.52
Confirmed charity, Virtual Terminal
Product: Nonprofits
Rate: 2.69% + 29¢
Fee: $2.98
You receive: $97.02
Confirmed charity, Advanced card processing
Product: Nonprofits
Rate: 2.19% + 29¢
Fee: $2.48
You receive: $97.52
Confirmed charity, Payments Pro
Product: Nonprofits
Rate: 1.99% + 49¢
Fee: $2.48
You receive: $97.52
The same payment elsewhere
For comparison, a $100.00 online card payment costs $3.20 at Stripe (2.9% + 30¢) and $3.60 on Square's free plan (3.3% + 30¢). For your whole month, including in-person and invoice payments, use the credit card processing fee calculator.

How PayPal's fees work

  • A percentage plus a few cents. PayPal keeps a share of each payment plus a small fixed fee. Which rate applies depends on how your customer pays.
  • PayPal and Venmo cost the most: 3.49% + 49¢. That's when the customer pays with their PayPal account, Venmo or PayPal's guest checkout, online or on an invoice.
  • Cards cost less: 2.99% + 49¢ online. Businesses set up for PayPal's Advanced card processing pay 2.89% + 29¢.
  • In person is cheapest: 2.29% + 9¢. For a card tapped or inserted using PayPal's point-of-sale app and reader.
  • Bank transfers are capped. An invoice paid from the customer's bank account costs 1%, never more than $10.
  • Customers outside the US cost more. International payments add 1.5%, and converting currency adds 3% to 4%.

Other PayPal fees

Customer outside the US
Amount: +1.5% on top of the US rate
Currency conversion
Amount: 3% added to the exchange rate; 4% when paid in another currency for goods or services
Chargeback
Amount: $20.00
Dispute
Amount: $15.00 standard; $30.00 for high-volume disputes
Instant transfer to your bank
Amount: 1.5%, $0.50 minimum (standard transfers are free without conversion)

How the calculator works

For a $100 payment at 3.49% + 49¢, PayPal keeps $3.49 + $0.49 = $3.98. Rates come from PayPal's US business fees page, and we re-check it every month.

The "what to charge" figure is higher than the amount plus the fee, because PayPal also takes its percentage from the extra you add. Raising your price to cover the fee is common for invoices, but adding a fee at checkout can put customers off, especially if other sellers don't. Card-network rules and some state laws also limit surcharges on card payments.

Cite or link to this page

You're welcome to quote the figures here. Please name Data Driven Reviews and link to this page, so readers can see the date each fee was checked.

Citation
Data Driven Reviews. (2026, Oct 13). PayPal Fee Calculator. https://datadrivenreviews.com/tools/paypal-fee-calculator/
Link (HTML)
<a href="https://datadrivenreviews.com/tools/paypal-fee-calculator/">PayPal Fee Calculator</a> (Data Driven Reviews)

Related

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