💰 PayPal Fee Calculator

PayPal Checkout's standard US domestic rate is 3.49% + $0.49 per transaction. International commercial transactions add a +1.5% surcharge (4.99% + $0.49 total), and if currency conversion is needed, a separate conversion spread may apply. Other PayPal products (e.g. Standard Card Payments) carry different rates, so confirm which product you're actually using.

Example: on a $100 transaction, fee = 100×0.0349+0.49 = $3.98, net payout = $96.02.

As with Stripe, PayPal fees are calculated on the charge amount, so simply adding an estimated fee to your target net undercharges. The correct formula is Charge amount = (Target net + $0.49) ÷ (1 − 0.0349). For a $100 target net, charge amount = (100 + 0.49) ÷ 0.9651 ≈ $104.12, with a fee of about $4.12, leaving exactly $100.

(1) High-volume merchants can contact PayPal's sales team about negotiated rates (Payflow, PayPal Payments Pro, etc.). (2) If a large share of transactions are international, offering local payment methods can reduce surcharge exposure. (3) Matching your account currency to your sale currency avoids the conversion spread. (4) If you process many small transactions, the flat $0.49 fee weighs proportionally more — consider batching charges where possible.