PayPal Fee Calculator

The PayPal fee calculator helps sellers, freelancers, and businesses understand exactly how much PayPal charges per transaction and what amount to invoice to receive a specific net payment. Updated with current 2026 PayPal fee structures for accuracy.

Current PayPal Fee Structure (2026)

PayPal charges different rates depending on transaction type:

• Standard Commercial: 2.99% + $0.49 per transaction (domestic)
• PayPal Checkout: 3.49% + $0.49 per transaction
• International: Additional 1.5% + currency conversion fees
• Micropayments: 5% + $0.05 (for transactions under $10)
• Friends & Family: Free for domestic bank/balance transfers

How to Calculate Net Amount

For a $100 payment with standard commercial rates: Fee = ($100 × 0.0299) + $0.49 = $3.48. Net amount = $100 - $3.48 = $96.52. This calculator does this math instantly and also calculates the inverse—what to charge to receive exactly $100 after fees.

Invoice Amount to Receive Specific Net

If you want to receive exactly $100 after PayPal fees, use the formula: Invoice Amount = (Desired Net + Fixed Fee) / (1 - Percentage Rate). For standard rates: ($100 + $0.49) / (1 - 0.0299) = $103.57.

Comparing Payment Processors

PayPal competitors offer different rates: Stripe charges 2.9% + $0.30, Square charges 2.6% + $0.10 for in-person. Consider transaction size, volume, and international needs when choosing. Use our margin calculator to factor these fees into your pricing.

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