Use this PayPal fee calculator to estimate fees for supported US and UK commercial payments. Choose forward mode to see the fee and net payout, or reverse mode to calculate the minimum amount to request when you need to receive a specific amount.
Select the merchant market, payment type, sender location, and received currency for a source-backed estimate. The calculator shows the rate, fixed fee, international surcharge, effective rate, and verification date with every result.
Estimate the fee, net amount, or the minimum amount to request. Choose the merchant market and the way the customer pays for a more relevant result.
- Payment amount
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- Percentage fee
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- International add-on
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- Fixed fee
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- Estimated total fee
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- Effective fee rate
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PayPal fees at a glance
PayPal does not use one universal transaction fee. The correct rate depends on how the payment is processed. These domestic examples use the current public merchant rates and the default currency for each market:
| Merchant market and payment type | Domestic rate | Estimated fee on 100 |
|---|---|---|
| US PayPal Checkout | 3.49% + $0.49 | $3.98 |
| US Goods & Services | 2.99%, no fixed fee | $2.99 |
| US standard card payment | 2.99% + $0.49 | $3.48 |
| US Pay Later | 4.99% + $0.49 | $5.48 |
| US invoice paid by bank (ACH) | 1.00%, capped at $10 | $1.00 |
| UK PayPal commercial payment | 2.90% + £0.30 | £3.20 |
| UK guest card payment | 1.20% + £0.30 | £1.50 |
Sending a US invoice? Use the dedicated PayPal Invoice Fee Calculator to compare PayPal, Venmo, card, Pay Later, and eligible Pay by Bank (ACH) routes.
The US international commercial surcharge is 1.50%. For UK merchants, the listed international surcharge is 1.29% for senders in the EEA and 1.99% for senders outside the EEA. Currency conversion is a separate cost and is not included in these examples.
How to use the PayPal fee calculator
- Choose Fee from a payment when you know the gross payment and want to estimate the fee and net proceeds. Choose Amount to request when you know the net amount you want to receive.
- Select the country where the receiving PayPal business account is registered. The merchant market and received currency are separate settings.
- Choose the payment route that matches the transaction, then select whether the sender is domestic or international.
- Review the complete breakdown, official source, effective date, and last verification date shown with the result.
If you are unsure which option applies, check the transaction details in your PayPal account or read how PayPal fee calculations work.
Forward and reverse PayPal fee calculations
Fee from a payment is a forward calculation. It applies the selected percentage, fixed fee, and any supported international surcharge to the payment amount.
Estimated fee = percentage fee + fixed fee + applicable international surcharge
Estimated net payout = payment amount − estimated fee
Amount to request is a reverse calculation. It works backward from the net amount you want to receive and finds the minimum gross amount that should leave that target after the selected fee is deducted. Simply adding the forward fee to the target is not enough, because the percentage fee is charged on the larger gross request.
For example, under US domestic PayPal Checkout, a $100.00 payment produces an estimated $3.98 fee and a $96.02 net payout. To receive $100.00 under the same scenario, the reverse calculator estimates a request of $104.12, including an estimated $4.12 fee.
Why do PayPal fee calculators show different answers?
The most common reason is that calculators label several different products as a single “standard PayPal rate.” On a $100 US domestic payment, current public pricing produces three different answers:
- PayPal Checkout: $3.98 estimated fee
- Direct Goods & Services: $2.99 estimated fee
- Standard card payment: $3.48 estimated fee
The merchant market, funding route, sender location, and received currency can also change the result. PayFeeCalc asks for these details and names the selected product instead of applying one generic percentage to every payment. For a focused explanation, see our guide to PayPal Goods and Services fees.
International fees and currency conversion
A cross-border transaction may add a percentage when the sender and receiving merchant are in different markets. The calculator applies the supported international sender category for the selected US or UK merchant scenario.
That surcharge is not the same as currency conversion. If PayPal converts one currency into another, its exchange rate or conversion spread may add a separate cost. PayFeeCalc does not predict live exchange rates, so review the conversion details shown by PayPal before approving or invoicing a payment. Our guide to international PayPal fees explains the distinction in more detail.
When the actual PayPal fee may differ
PayFeeCalc provides an estimate based on the public rate and settings displayed with the result. The amount in a PayPal account can differ because of account-specific, negotiated, promotional, charity, or micropayment pricing; product eligibility; a different transaction classification; currency conversion; taxes; holds; reserves; refunds; disputes; or a rate change after the last verification date.
The calculator covers the commercial transaction routes listed in its menus. It does not calculate Friends and Family payments, donation pricing, refund costs, disputes, taxes, or live foreign-exchange rates. PayPal’s checkout screen and account statement remain the final record of the fee charged.
Freelancers can use reverse mode before invoicing and then review our guide to PayPal fees for freelancers. Online sellers can use forward mode to review processing cost before setting a price and read our guide to PayPal fees for sellers.
Frequently asked questions
How much does PayPal charge on $100?
It depends on the payment type. For a US domestic merchant, the calculator estimates $3.98 for PayPal Checkout, $2.99 for direct Goods & Services, or $3.48 for a standard card payment. Select the route that matches the actual transaction.
How do I receive exactly $100 after PayPal fees?
Select Amount to request, enter $100.00, and choose the relevant transaction settings. Under US domestic PayPal Checkout, the current estimate is a $104.12 request and a $4.12 fee. A different product or sender location will change the result.
Can this calculator estimate international PayPal fees?
Yes, for the international sender categories supported by the US and UK merchant markets shown in the calculator. It can include the listed cross-border surcharge, but it does not include PayPal’s currency-conversion rate or spread.
Why does the calculator ask for the merchant account market?
PayPal’s base rates and available products can differ according to the country where the receiving business account is registered. Choosing USD alone does not mean a payment uses US merchant pricing.
Is this PayPal fee calculator accurate?
It is a source-backed estimate based on the selected settings and public rate displayed with the result. It is not a guaranteed quote because PayPal may apply account-specific pricing, conversion costs, or another transaction classification.
Does PayFeeCalc store the amount I enter?
No. The calculation runs on your device. The calculator does not send or store the amount entered or add it to the page URL. See our Privacy Policy & Terms and main FAQ for more information.
Sources, methodology, and rate updates
Rates are organized by merchant market, payment type, sender category, and received currency. Each result displays the percentage fee, fixed fee, applicable international amount, total estimated fee, effective rate, official source, and verification date. Calculations use the smallest unit supported by the selected currency so reverse estimates do not lose accuracy through early rounding.
Current sources: PayPal US Merchant Fees and PayPal UK Merchant Fees. Learn more about the calculation and review process on our How It Works page.
PayFeeCalc is an independent estimator and is not affiliated with, endorsed by, or sponsored by PayPal. “PayPal” is a trademark of its respective owner.