PayPal Fee Calculator
PayPal charges US sellers 3.49% + $0.49 per domestic PayPal Checkout payment (paypal.com business fees, rates as of 2026-10-16), so a $100.00 payment costs $3.98 and you receive $96.02. To receive $100.00, invoice $104.12: (100 + 0.49) / (1 - 0.0349).
How to use
- Choose I charge to see the fee and payout, or I want to receive to find the amount to invoice.
- Pick your PayPal account country and where the payer is. Payments from abroad add an international percentage.
- Enter the amount. The fee split, effective rate and a payout bar are shown below.
How it works
Fee = amount × percentage rate + fixed fee for the currency received. Payout = amount - fee.
International payments use the domestic rate plus the surcharge for the payer's region, shown here as one combined rate.
To receive a target amount, charge = (target + fixed fee) / (1 - rate), checked to the cent so the payout is never below the target.
Example in the US: 100.00 × 3.49% = 3.49, plus 0.49 = 3.98 in fees, leaving 96.02.
PayPal seller rates by country
Rates checked on 2026-10-16 against each country's official PayPal business fees page (commercial transactions for goods and services). International rates include the surcharge for the payer's region.
| Account country | Payer | Fee |
|---|---|---|
| United States | Domestic | 3.49% + 0.49 USD |
| United States | International | 4.99% + 0.49 USD |
| Canada | Domestic | 2.9% + 0.30 CAD |
| Canada | United States | 3.7% + 0.30 CAD |
| Canada | Other countries | 3.9% + 0.30 CAD |
| United Kingdom | Domestic | 2.9% + 0.30 GBP |
| United Kingdom | EEA | 4.19% + 0.30 GBP |
| United Kingdom | Other countries | 4.89% + 0.30 GBP |
| Germany | EEA | 2.99% + 0.39 EUR |
| Germany | UK | 4.28% + 0.39 EUR |
| Germany | Other countries | 4.98% + 0.39 EUR |
| France | EEA | 2.9% + 0.35 EUR |
| France | UK | 4.19% + 0.35 EUR |
| France | Other countries | 4.89% + 0.35 EUR |
| Australia | Domestic | 2.9% + 0.30 AUD |
| Australia | International | 3.9% + 0.30 AUD |
What is not included
- Currency conversion spreads, which PayPal applies when it converts money for you.
- QR code, in-person card reader, invoicing for charities and micropayment rates.
- Card payments processed through PayPal advanced checkout, which use separate card rates.
- Chargeback and dispute fees.
FAQ
How much does PayPal take from a $100 payment?
For a US seller receiving a domestic PayPal Checkout payment, 3.98 dollars: 3.49% of 100 plus the 0.49 fixed fee. You receive 96.02.
What is the PayPal international fee?
It is a percentage added to the domestic rate when the payer is in another country. For US sellers it is 1.50%. UK sellers pay 1.29% more for EEA payers and 1.99% for other countries.
How do I make the buyer cover the PayPal fee?
Use I want to receive and invoice the amount shown. Check local rules and PayPal's terms before adding surcharges.
Are friends and family payments charged?
This calculator covers payments for goods and services. Personal transfers have their own rules and are not included.