PayPal Fee Calculator
Calculate PayPal fees & net amount
PayPal Fee Rates (2026)
Updated Feb 2026| Type | Rate | Fixed Fee |
|---|---|---|
| Standard Commercial | 2.99% | $0.49 |
| PayPal Checkout | 3.49% | $0.49 |
| International | 4.49% | $0.49 |
| Micropayments | 5% | $0.05 |
| PayPal Invoicing | 3.49% | $0.49 |
Tips for Reducing Fees
How to Use the 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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Frequently Asked Questions
Standard PayPal commercial transactions charge 2.99% + $0.49 per transaction domestically. International transactions add 1.5%. PayPal Checkout is 3.49% + $0.49. Micropayments (under $10) are 5% + $0.05. Rates vary by volume and plan.
Use: Invoice Amount = (Desired Net + Fixed Fee) / (1 - Percentage Rate). To receive $100 net with 2.99% + $0.49 fees: ($100 + $0.49) / (1 - 0.0299) = $103.57.
PayPal standard (2.99% + $0.49) is slightly higher than Stripe (2.9% + $0.30) and Square in-person (2.6% + $0.10). However, PayPal has higher consumer trust and may convert better. Factor in checkout abandonment rates.
Yes, PayPal fees are a business expense and fully tax deductible. Track them as payment processing fees or merchant fees. They reduce your taxable income on business returns.
Friends & Family transfers are free for domestic bank/balance payments, but cannot be used for commercial transactions (violates ToS). You can pass fees to customers by building them into prices or adding a surcharge where legal.
International transactions add 1.5% on top of standard rates, plus currency conversion fees of 3-4% if applicable. Total international fees can reach 7-8%. Consider separate pricing for international customers.
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