PayPal fee calculator (US)
US merchant rates from www.paypal.com, fetched 2026-10-14 (PayPal page last updated Oct 1, 2026). Assumes you receive USD into a US account.
Result
The URL updates as you type, so you can bookmark or share a scenario.
Rates used
| PayPal Checkout / Guest Checkout | 3.49% + $0.49 |
|---|---|
| Standard credit and debit card payments | 2.99% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| PayPal Pay Later | 4.99% + $0.49 |
| Send/Receive Money for Goods and Services | 2.99% |
| International commercial transactions | +1.5% |
| Currency conversion spread | 3% |
| Standard dispute fee | $15.00 |
Sources
| Source | URL | Fetched | Notes |
|---|---|---|---|
| paypal_fees | https://www.paypal.com/us/business/paypal-business-fees | 2026-10-14 | US merchant fees (page last updated Oct 1, 2026): PayPal Checkout 3.49% + fixed fee; standard card payments 2.99% + fixed fee; Pay Later 4.99% + fixed fee; Venmo 3.49% + fixed fee; fixed fee 0.49 USD; +1.50% for international commercial transactions; currency conversion spread 3.00% (all other transactions) or as disclosed; standard dispute fee 15.00 USD. |
Fees and rules change. Confirm against the official page and your own account before pricing decisions.
FAQ
How much does PayPal charge on $100?
With PayPal Checkout in the US: 3.49% × $100 + $0.49 = $3.98, so you receive $96.02. From an international buyer, add 1.5%.
How do I calculate what to charge to receive an exact amount?
Amount to request = (target + fixed fee) ÷ (1 − percentage rate), rounded up to the cent. The reverse calculator does this and checks the rounding.
Does PayPal refund fees on refunds?
Check PayPal’s current fee page and user agreement; this calculator does not model refunds.