How much does PayPal charge per transaction?

For US sellers, PayPal Checkout costs 3.49% + $0.49 per payment, so $3.98 on $100. Card payments are 2.99% + $0.49, goods and services payments 2.99%, Pay Later 4.99% + $0.49. International payments add 1.5%.

What is the PayPal fee for goods and services?

In the US, receiving a goods and services payment sent from a PayPal account costs 2.99% with no fixed fee: $2.99 on $100. A payment from another country adds 1.5%, making it 4.49%.

How much does PayPal charge for international payments?

PayPal adds 1.5% to the domestic rate when the buyer is registered in another country. A $100 PayPal Checkout payment then costs $5.48. Converting the money to USD costs a further 3% spread.

What are PayPal invoice fees?

An invoice paid with PayPal, Venmo or Guest Checkout costs 3.49% + $0.49. Paid by card or Apple Pay it costs 2.99% + $0.49, with Pay Later 4.99% + $0.49, and by bank (ACH) 1%, capped at $10.

How much should I charge to receive $100 on PayPal?

Charge $104.13 for a domestic PayPal Checkout payment: ($100 + $0.49) ÷ (1 − 0.0349). From a buyer outside the US, charge $105.77.

Who pays the PayPal fee, buyer or seller?

The seller. PayPal says paying for a purchase with PayPal is free for the buyer unless it involves a currency conversion. The fee comes out of the payment you receive.

Does PayPal charge for friends and family payments?

Sending money to friends and family in the US is free from a PayPal balance or bank account; a card costs 2.90% + $0.30. Sending abroad adds 5%, at least $0.99 and at most $4.99. Receiving is free without conversion.

Is PayPal or Stripe cheaper?

For US card payments Stripe usually is: $3.20 on $100 against $3.98 for PayPal Checkout. PayPal’s advanced card rate, 2.89% + $0.29, costs $3.18 on $100, slightly less than Stripe.

Are PayPal fees the same in every country?

No. PayPal publishes a fee schedule per country. This calculator uses the rates for US accounts; a seller in the UK, the EU or elsewhere pays that country’s rates.

Free calculator

PayPal fee calculator with Stripe side by side

See what PayPal takes from a payment and what you keep, or how much to charge to receive an exact amount. Domestic and international, checkout, goods and services, invoices and cards, at PayPal’s current US rates.

Updated October 27, 2026

Your payment

Payment amount

What the buyer pays.

Payment type

Buyer

Currency received

US rates, checked October 27, 2026

Runs in your browser. Nothing you type is sent or stored.

PayPal fee

$3.98

You receive $96.02 of $100.00. The fee is 3.98% of the payment.

You receive: $96.02
3.49% of the amount: $3.49
Fixed fee: $0.49
International (+1.5%): Domestic

Stripe, same payment

Stripe fee: $3.20
You receive: $96.80

Stripe US card pricing, 2.9% + 30¢, +1.5% for cards issued outside the US.

Stripe costs $0.78 less than PayPal on this payment.

Quick answer

How do you calculate PayPal fees?

PayPal fee = amount × rate + fixed fee. For PayPal Checkout in the US the rate is 3.49% and the fixed fee $0.49, so a $100 payment costs $3.49 + $0.49 = $3.98 and you receive $96.02. A buyer outside the US adds 1.5%, making it $5.48. Goods and services payments are 2.99% with no fixed fee.

How to use the PayPal fee calculator

Pick a mode
Fee on an amount shows what PayPal takes from a payment. Amount to charge works backwards from what you want to receive.
Choose the payment type
PayPal Checkout for most online sales, goods and services for a payment sent from a PayPal account, or the card, invoice, Pay Later, micropayment or QR code rate.
Set where the buyer is
A buyer outside the US adds 1.5%. Pick the currency you receive, and switch on conversion if PayPal turns it into USD.
Compare and share
Read the fee, what you keep and the Stripe fee for the same payment, then copy the link to share the numbers.

How PayPal fees work

For a US seller, PayPal charges a percentage of each payment plus a fixed fee set by the currency you receive. PayPal Checkout, Guest Checkout and Venmo cost 3.49% + $0.49. Standard card payments cost 2.99% + $0.49 and advanced card payments 2.89% + $0.29. A goods and services payment sent from a PayPal account costs 2.99% with no fixed fee.

When the buyer is registered in another country, PayPal adds 1.50% to the domestic rate. If you receive a currency other than USD, the fixed fee is the one for that currency, such as €0.39 or £0.39, and converting the money into USD costs PayPal’s 3% spread, built into its exchange rate.

Buyers pay nothing to pay with PayPal unless a currency conversion is involved: the seller pays the fee. To receive an exact amount, divide the target plus the fixed fee by one minus the rate. These are US rates; PayPal publishes a separate schedule for each country.

Formula

PayPal fee = amount × (rate + 1.5% if international) + fixed fee
You receive = amount − PayPal fee
Amount to charge = (target + fixed fee) ÷ (1 − rate)

Worked example

A $100 PayPal Checkout payment from a US buyer.
Percentage fee: $100 × 3.49% = $3.49.
Fixed fee in USD: $0.49. Total fee: $3.49 + $0.49 = $3.98.
You receive $100 − $3.98 = $96.02. From a buyer outside the US: + $1.50, so $5.48.
To receive exactly $100: ($100 + $0.49) ÷ (1 − 0.0349) = $104.13. Stripe would take $3.20 on the same $100.

PayPal US fees, October 2026

PayPal’s rates for US accounts receiving domestic payments in USD, from PayPal’s merchant fee page, checked 2026-10-27. International payments add 1.5% to every row.

Payment type	Rate	Fixed fee (USD)	International	PayPal’s name for it
PayPal Checkout or Venmo	3.49%	$0.49	+1.5%	PayPal Checkout, PayPal Guest Checkout, Pay with Venmo
Goods and services payment	2.99%	None	+1.5%	Send/Receive Money for Goods and Services
Card payment (standard)	2.99%	$0.49	+1.5%	Standard Credit and Debit Card Payments
Card payment (advanced)	2.89%	$0.29	+1.5%	Advanced Credit and Debit Card Payments
Invoice paid with PayPal or Venmo	3.49%	$0.49	+1.5%	Invoicing: PayPal Checkout, Pay with Venmo, or PayPal Guest Checkout
Invoice paid by card or Apple Pay	2.99%	$0.49	+1.5%	Invoicing: Standard Credit and Debit Card Payments, Apple Pay, or other third-party wallets
Pay Later	4.99%	$0.49	+1.5%	PayPal Pay Later options
Micropayments	4.99%	$0.09	+1.5%	Micropayments (on application)
QR code payment	2.29%	$0.09	+1.5%	QR code Transactions

Source for every row: PayPal Merchant Fees (US), last updated by PayPal on October 1, 2026. Micropayment pricing is something you apply for. Currency conversion adds a 3% spread; a buyer paying in a currency other than the listing currency pays 4%.

PayPal fixed fees by currency

Currency received	Standard fixed fee	Advanced cards	Micropayments and QR codes
USD	0.49	0.29	0.09
EUR	0.39	0.19	0.07
GBP	0.39	0.19	0.07
CAD	0.59	0.39	0.11
AUD	0.59	0.39	0.12
JPY	49	29	9
CHF	0.49	0.29	0.08
NZD	0.69	0.49	0.13
SGD	0.69	0.49	0.12
HKD	3.79	2.29	0.7
SEK	4.09	2.4	0.76
NOK	3.9	2.3	0.77
DKK	2.9	1.7	0.56
PLN	1.89	1.09	0.34
CZK	9	5	1.9
HUF	149	89	29
ILS	1.6	0.9	0.3
MXN	9	5	1.79
BRL	2.9	1.7	0.5
MYR	2	1.2	0.4
PHP	25	15	4.4
TWD	14	8	3
THB	15	9	2.9
RUB	39	23	6.9

PayPal vs Stripe fees

On a $100 US card payment, Stripe takes $3.20 (2.9% + 30¢), PayPal Checkout $3.98 and PayPal’s standard card rate $3.48 (2.99% + $0.49). Both add 1.5% for international payments, though Stripe’s applies to cards issued outside the US and PayPal’s to buyers registered in another country. Offering both lets each buyer pay the way they prefer.

How to pay less in PayPal fees

Card buyers cost less through advanced card payments (2.89% + $0.29) than through standard card payments (2.99% + $0.49). For small payments, micropayment pricing (4.99% + $0.09) beats PayPal Checkout below about $26.67, where both cost $1.42, and costs more above it; you apply for it per account. Pricing in USD for US buyers avoids the 3% conversion spread.

PayPal fee questions

How much does PayPal charge per transaction?: For US sellers, PayPal Checkout costs 3.49% + $0.49 per payment, so $3.98 on $100. Card payments are 2.99% + $0.49, goods and services payments 2.99%, Pay Later 4.99% + $0.49. International payments add 1.5%.
What is the PayPal fee for goods and services?: In the US, receiving a goods and services payment sent from a PayPal account costs 2.99% with no fixed fee: $2.99 on $100. A payment from another country adds 1.5%, making it 4.49%.
How much does PayPal charge for international payments?: PayPal adds 1.5% to the domestic rate when the buyer is registered in another country. A $100 PayPal Checkout payment then costs $5.48. Converting the money to USD costs a further 3% spread.
What are PayPal invoice fees?: An invoice paid with PayPal, Venmo or Guest Checkout costs 3.49% + $0.49. Paid by card or Apple Pay it costs 2.99% + $0.49, with Pay Later 4.99% + $0.49, and by bank (ACH) 1%, capped at $10.
How much should I charge to receive $100 on PayPal?: Charge $104.13 for a domestic PayPal Checkout payment: ($100 + $0.49) ÷ (1 − 0.0349). From a buyer outside the US, charge $105.77.
Who pays the PayPal fee, buyer or seller?: The seller. PayPal says paying for a purchase with PayPal is free for the buyer unless it involves a currency conversion. The fee comes out of the payment you receive.
Does PayPal charge for friends and family payments?: Sending money to friends and family in the US is free from a PayPal balance or bank account; a card costs 2.90% + $0.30. Sending abroad adds 5%, at least $0.99 and at most $4.99. Receiving is free without conversion.
Is PayPal or Stripe cheaper?: For US card payments Stripe usually is: $3.20 on $100 against $3.98 for PayPal Checkout. PayPal’s advanced card rate, 2.89% + $0.29, costs $3.18 on $100, slightly less than Stripe.
Are PayPal fees the same in every country?: No. PayPal publishes a fee schedule per country. This calculator uses the rates for US accounts; a seller in the UK, the EU or elsewhere pays that country’s rates.

Cite this tool

Free to link and quote. Use this reference:

SaaSCity, "PayPal Fee Calculator", October 27, 2026. https://saascity.io/free-tools/paypal-fee-calculator