Paypal Fee Calculator
The PayPal fee calculator is a quick and easy-to-use tool that calculates deductions/service charges while sending or receiving money through PayPal.
PayPal Fee Calculator
Calculate PayPal business fees for common transaction types. Updated for 2025 US rates.
Transaction Details
International transactions typically add a cross-border fee.
Conversion fees are applied as a spread on the exchange rate.
Invoicing rates can vary by method (e.g., ACH vs card).
Some merchants may qualify for custom pricing at higher volumes.
Fee Calculation
2025 PayPal Fee Reference (US)
| Transaction Type | Rate | Fixed Fee |
|---|---|---|
| Checkout (PayPal/Venmo/Guest) | 3.49% | $0.49 |
| Standard Card Payments | 2.99% | $0.49 |
| Pay Later | 4.99% | $0.49 |
| In-person / QR Code | 2.29% | $0.09 |
| Invoicing (PayPal/Venmo) | 3.49% | $0.49 |
| Invoicing (Cards/Apple Pay) | 2.99% | $0.49 |
| Invoicing (Pay by Bank / ACH) | 1.00% | $0 (capped at $10) |
| Donations | 2.89% | $0.49 |
| Micropayments | 4.99% | $0.09 |
| Advanced Card Payments | 2.89% | $0.29 |
| Virtual Terminal | 3.39% | $0.29 |
| Pay With Crypto | 0.99% | — |
| International Add-on | +1.50% | — |
| Currency Conversion Spread | 3.00% or 4.00% | — |
| Chargeback Fee | — | $20.00 |
| Dispute Fee (Standard / High Volume) | — | $15.00 / $30.00 |
- Use in-person/QR where it fits – Often cheaper than online checkout for face-to-face sales.
- Use ACH for invoices when possible – Pay by Bank is 1.00% capped at $10 for eligible invoices.
- Avoid unnecessary currency conversions – Converting can add a 3% or 4% spread.
- Watch Pay Later carefully – It’s convenient, but the rate is higher than standard checkout.
- If you do lots of volume, ask for pricing – Some businesses qualify for customized rates.
Table of Contents
About PayPal
PayPal is the most widely used online payment platform, allowing consumers to receive and send money worldwide. PayPal deducts or charges a fee as a commission for using this service.
PayPal Fees
PayPal fee calculation is a complex process since it involves a charge structure that a user must remember to obtain accurate values. PayPal charges a flat fee plus a percentage of the amount sent for each transaction. Users should be aware, however, that no fee is levied on transactions made from their PayPal balance.
If you send up to $3000, you will be charged 4.4 percent of the total amount plus a set fee. As the transaction amount exceeds $3000, the percentage level decreases. The percentage rate is 3.9 percent for transactions between $3000 and $100,000, 3.7 percent for transactions between $100,000 and $100,000, and 3.4 percent for amounts beyond $100,000.
How to use the Paypal fee calculator?
- All you have to do is enter the amount and select the fee rate depending upon domestic, international, mobile card reader or virtual terminal and click the “Calculate Fees” button.
- Your total fees appear directly below the calculate button as soon as you click it.
- It’ll display the amount of money you’ll receive after deductions. It even shows you how much money you should ask for once fees are deducted.
- To erase the amount entered, reset the tool by clicking the “Reset” option.
You may experience a significant decrease in the received amount due to the PayPal fee levied on each transaction. Instead of taking chances, use this PayPal fee calculator to predict expenses and compensate for losses by raising prices.