PayPal Fee Calculator
Estimate what you receive after PayPal’s published US commercial payment fees.
Payment details
PayPal payout estimate
You receive
Choose a payment type and enter an amount.
- Enter a payment amount to see the fee.
This tool uses PayPal’s published percentage plus fixed fee for a US account receiving USD. It is not a paste of the eBay fee calculator — there is no category final value fee here, only payment processing style charges.
How PayPal seller and payment fees work
PayPal charges a commercial transaction fee when you receive payment for goods or services. The published US rate is a percentage of the payment plus, for most types, a fixed fee in the currency received ($0.49 USD on this page’s default tables).
The rate depends on how the buyer pays. Checkout, guest checkout, and Pay with Venmo share one published band. Card payments, Goods and Services money requests, Pay Later, and QR code transactions each have their own line on PayPal’s US merchant and business fees page (last updated November 4, 2026).
Turn on the international option if the sender is in a different PayPal market. That adds the published 1.50% international commercial surcharge. This calculator does not add currency conversion spreads, chargeback fees, or withdrawal fees.
Published US commercial rates used here
The dropdown and this table use the same source. Last updated on PayPal’s fee page; checked 2026-11-11.
| Payment type | Rate |
|---|---|
| PayPal Checkout | 3.49% + $0.49 |
| PayPal Guest Checkout | 3.49% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| Standard credit and debit cards | 2.99% + $0.49 |
| Send/Receive Money for Goods and Services | 2.99% (no fixed fee) |
| PayPal Pay Later | 4.99% + $0.49 |
| QR code transactions | 2.29% + $0.09 |
| All other commercial transactions | 3.49% + $0.49 |
| International commercial surcharge | +1.50% |
FAQ
What is the PayPal fee for receiving a payment in the US?
It depends on the payment type. PayPal’s US merchant fee page (last updated November 4, 2026) lists PayPal Checkout, Guest Checkout, and Pay with Venmo at 3.49% + $0.49; standard credit and debit cards at 2.99% + $0.49; Goods and Services money requests at 2.99% with no fixed fee; Pay Later at 4.99% + $0.49; and QR code transactions at 2.29% + $0.09. Custom or negotiated rates can differ.
Do international PayPal payments cost more?
For a US account, receiving an international commercial transaction adds a 1.50% surcharge on top of the domestic rate, according to the same official fee page. Currency conversion spreads are separate and are not included in this calculator.
Is the Goods and Services rate the same as PayPal Checkout?
No. Send/Receive Money for Goods and Services is listed at 2.99% with no fixed fee. PayPal Checkout is 3.49% + $0.49. Choose the type that matches how the buyer actually pays you.
Are these official PayPal invoices?
No. Results are estimates from PayPal’s published US commercial rate tables. Your account may have different pricing, and extra fees (chargebacks, currency conversion, withdrawals) are not modeled. Confirm on PayPal’s official fees page.
Why does the comparison include Etsy, Depop, and Mercari?
After you calculate a PayPal payment, the page shows a same-price estimate of those marketplace fees so you can compare take-home. Those figures are independent estimates, not official calculators for those sites.