Enter any transaction amount and instantly see the PayPal fee and how much you'll receive. Updated for 2026 — no sign-up required.
Calculate the exact fee PayPal charges and how much you'll receive after processing a payment.
PayPal does not have a single "standard" fee — the rate depends on how the payment is sent. The two most common rates for US businesses and freelancers are 2.9% + $0.30 for PayPal Checkout (website integration) and 3.49% + $0.49 for standard invoices and payment links. The calculator above uses the Checkout rate (2.9% + $0.30); use the table below to identify which rate applies to your transaction.
| Payment Type | Rate (US) |
|---|---|
| PayPal Checkout (website / API integration) | 2.9% + $0.30 |
| Standard invoice & payment links | 3.49% + $0.49 |
| International (cross-border) | + 1.5% additional |
| Currency conversion | + 3–4% spread |
Last verified: April 2026 — Always confirm at paypal.com/merchant-fees
For a $100 PayPal Checkout transaction: $100 × 2.9% = $2.90 + $0.30 = $3.20 fee, netting $96.80. For a $100 invoice: $100 × 3.49% = $3.49 + $0.49 = $3.98 fee, netting $96.02. The difference adds up significantly on high-volume invoicing.
To receive a specific net amount after PayPal fees, divide your target amount by (1 - 0.029), then add $0.30. For example, to receive exactly $100.00: $100 ÷ 0.971 = $102.99, plus $0.30 = $103.09 gross invoice amount.
Many freelancers and sellers add a flat 3–4% to their prices to offset PayPal fees, or include a line item in their invoices that reads "Payment processing fee." Always check PayPal's official rates for your country — rates vary internationally.
PayPal Friends & Family (F&F) transfers have no fee for the sender or receiver — but they provide zero buyer or seller protection. Using F&F for business transactions violates PayPal's terms of service and can result in account suspension. Always use Goods & Services for business payments, even if it means paying the fee. Read the full comparison →
PayPal charges 2.9% + $0.30 for standard Goods & Services payments. On a $100 payment, the fee is $3.20 (2.9% × $100 = $2.90 + $0.30), leaving you with $96.80.
You can't eliminate PayPal fees on business payments, but you can offset them by adding 3-4% to your invoice total, using PayPal's invoice tool (which supports automatic fee pass-through), or using alternative payment methods like bank transfer for large transactions.
Yes. International payments add a currency conversion fee of 3-4% on top of the standard transaction fee. The total cost for an international payment can reach 6-8% of the transaction amount.
Friends & Family (F&F) transfers are free within the same country when funded from a PayPal balance or bank account. However, F&F is prohibited for business transactions and provides no buyer or seller protection.