PayPal fees for 2026
PayPal fee calculator
See what PayPal takes from a payment and what lands in your account, or work out how much to ask for so you receive the full amount.
Rates checked October 6, 2026
Results update as you type.
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The payment
Work out the fee, or the amount to ask for.
The payment amount, or what you want to end up with after fees.
Fee rate
Pick a rate or type your own.
Standard published rates in 2026. Your account may differ.
Switches to Custom if you type your own.
Flat amount on each payment.
Added when the buyer pays from another country.
You receive
—
Where the payment goes
Full breakdown
Every amount for one sale, with its share of the total.
| Item | Amount | Share |
|---|
PayPal fees in 2026
PayPal charges a percentage of each commercial payment plus a fixed fee. These are the standard US rates:
| Payment type (US) | Fee |
|---|---|
| PayPal Checkout, guest checkout, invoices, Pay with Venmo | 3.49% + $0.49 |
| Send and receive money for goods and services | 2.99% + $0.49 |
| Pay Later | 4.99% + $0.49 |
| QR code payments in person | 2.29% + $0.09 |
| International payments | An extra 1.5% |
Currency conversion adds roughly 3–4% more when PayPal converts the money. UK sellers pay 2.9% + £0.30 on domestic payments, with different international surcharges. Rates can differ by account, so check PayPal's merchant fee page for yours.
How PayPal fees are calculated
Fee = payment × percentage + fixed fee
You receive = payment − fee
On a $100 PayPal Checkout payment: $100 × 3.49% + $0.49 = $3.98, so you receive $96.02. As a goods and services payment the fee is $3.48. From a buyer abroad, 4.99% + $0.49 applies and the fee is $5.48.
How much to ask for to receive a set amount
Amount to ask for = (amount you want + fixed fee) ÷ (1 − percentage fee)
To receive exactly $100 through Checkout, ask for ($100 + $0.49) ÷ 0.9651 = $104.13. Choose Amount to ask for in the calculator to do this for any amount.
PayPal fees on small payments
The $0.49 fixed fee hits small payments hardest. On a $10 Checkout payment the fee is $0.84, or 8.4% of the money. If you sell many low-priced items, compare this with Stripe's fees and price small items with fees in mind using the target price calculator.
Frequently asked questions
How much does PayPal charge per transaction?
In the US, PayPal Checkout and invoices cost 3.49% + $0.49, and goods and services payments cost 2.99% + $0.49. Payments from abroad add 1.5%.
How much is the PayPal fee on $100?
$3.98 through PayPal Checkout, leaving you $96.02, or $3.48 as a goods and services payment.
How much should I ask for to receive $100 on PayPal?
About $104.13 through Checkout, or $103.59 as a goods and services payment, because PayPal takes its fee from the amount sent.
Does PayPal charge fees for friends and family payments?
Domestic friends and family payments funded from a PayPal balance or bank account are usually free, but they aren't for selling goods and don't include purchase protection. Use goods and services for sales.
Is PayPal or Stripe cheaper?
For standard US online card payments, Stripe's 2.9% + 30¢ is cheaper than PayPal Checkout's 3.49% + $0.49. Many shops offer both because some buyers prefer to pay with PayPal.