PayPal Fee Calculator
Know Your PayPal Fees Before You Send – Get Paid What You Deserve!
Paypal Fee Calculator
PayPal Fee Calculator
Results
How PayPal Fees Actually Work
PayPal does not charge one flat fee. The rate depends on whether you are being paid for goods and services (a business/commercial transaction) or receiving money from friends and family (a personal transaction), and whether the sender is in the same country as you (domestic) or a different one (international). This calculator uses PayPal's published U.S. rates so the numbers above match what PayPal will actually deduct.
Business Transactions (Goods & Services)
When a customer pays you through PayPal Checkout, a debit or credit card, Venmo, or Pay in 4, PayPal takes a percentage of the payment plus a small fixed fee that depends on the currency you receive. Domestic card payments run 2.99% plus the fixed fee, PayPal Checkout and Venmo run 3.49% plus the fixed fee, and Pay in 4/Pay Later runs 4.99% plus the fixed fee. For an international payment, PayPal adds another 1.50% on top of whichever domestic rate applies.
| Currency | Fixed Fee (Business) |
|---|---|
| USD | $0.49 |
| EUR | €0.39 |
| GBP | £0.39 |
| CAD | $0.59 |
| AUD | $0.59 |
Personal Transactions (Friends & Family)
Sending money to friends or family from your PayPal balance or a linked bank account is free domestically. Funding that same domestic transfer with a debit or credit card costs 2.90% plus a smaller fixed fee. Any personal transfer that crosses a border, regardless of how it is funded, carries a flat 5% fee with a minimum of $0.99 and a maximum of $4.99.
| Currency | Fixed Fee (Personal, Domestic Card) |
|---|---|
| USD | $0.30 |
| EUR | €0.35 |
| GBP | £0.20 |
| CAD | $0.30 |
| AUD | $0.30 |
Reading Your Results
"PayPal Fee" is the amount PayPal deducts. "You Will Receive" is what lands in your account after that fee comes out of the amount you entered. "You Should Ask For" flips the calculation around: enter the amount you want to actually keep, and it tells you the invoice or payment request amount that will leave you with exactly that much after PayPal's cut.
Frequently Asked Questions
Understanding Paypal Fee
Know Your PayPal Fees Before You Send – Get Paid What You Deserve!
Understanding Paypal Fee
1. Types of PayPal Transactions
PayPal splits every transaction into two categories, and the category decides which fee applies:
- Domestic Transactions: The sender and the receiver are both registered with PayPal in the same country or market.
- International Transactions: The sender and the receiver are registered in different countries or markets. PayPal groups certain markets together for this purpose, so a transaction between two nearby markets can sometimes still count as domestic.
2. PayPal Fee Structure for Business Transactions
For goods and services, invoices, and other commercial transactions, PayPal charges a percentage of the payment plus a small fixed fee based on the currency received. The percentage depends on how the customer pays:
PayPal Selling Fees (Domestic, U.S. Accounts)
| Payment Type | Domestic Rate |
|---|---|
| Standard Debit/Credit Card Payment | 2.99% + fixed fee |
| PayPal Checkout, Guest Checkout, or Pay with Venmo | 3.49% + fixed fee |
| PayPal Pay Later (Pay in 4) | 4.99% + fixed fee |
For an international payment, PayPal adds a flat 1.50% on top of whichever domestic rate above applies.
Fixed Fees by Currency (Business Transactions)
| Currency | Fixed Fee |
|---|---|
| USD | $0.49 |
| EUR | €0.39 |
| GBP | £0.39 |
| CAD | $0.59 |
| AUD | $0.59 |
PayPal publishes fixed fees for dozens of additional currencies beyond the five above; the structure is the same everywhere, only the fixed-fee amount changes.
3. Personal Transactions (Sending & Receiving Money)
Domestic Personal Transactions:
- No fee when funding the transfer with your PayPal balance or a linked bank account.
- 2.90% + a smaller fixed fee (for example, $0.30 USD) when funding the transfer with a debit or credit card.
International Personal Transactions:
- A flat 5% fee applies regardless of funding method, with a minimum fee of $0.99 and a maximum fee of $4.99.
4. Currency Conversion Fees
When PayPal converts your payment from one currency to another, it adds a currency conversion spread on top of the exchange rate. This spread does not vary by region the way some calculators claim; PayPal applies one of two flat rates depending on the type of transaction:
- 4.00% for paying in a currency different from the one the goods or services are listed in, for sending money to a friend or family member who receives a different currency than you paid in, or for a PayPal Payouts transfer where the recipient receives a different currency.
- 3.00% for all other transactions involving a currency conversion.
5. PayPal Withdrawal Fees
Standard withdrawals to a linked bank account or eligible debit card are free as long as no currency conversion is involved. Instant transfers cost extra:
- Business accounts: 1.50% of the amount transferred for an instant transfer, with a minimum fee (for example, $0.50 USD).
- Personal accounts: 1.75% of the amount transferred for an instant transfer, with a minimum fee of $0.25 USD and a maximum fee of $25.00 USD.
6. PayPal Additional Fees
| Service | Fee |
|---|---|
| Chargeback Fee (card chargeback on a non-PayPal-account transaction) | $20.00 USD |
| Standard Dispute Fee | $15.00 USD |
| High Volume Dispute Fee | $30.00 USD |
| Credit/Debit Card Link & Confirmation | $1.95 USD (refunded after verification) |
7. Key Takeaways
- Domestic personal transfers are free when funded by your PayPal balance or bank account, and only cost a fee when funded by a card or when they cross a border.
- Business transactions always carry a fee; the rate depends on how the customer pays, and international payments add a flat 1.50% surcharge.
- Currency conversion carries a flat 4% or 3% spread depending on the transaction type, not a rate that changes by region.
- Standard bank withdrawals are free; only instant transfers carry a percentage fee.
- Chargebacks and disputes carry their own separate fees, on top of whatever fee applied to the original payment.
How to Use Tricklings PayPal Fee Calculator
Know Your PayPal Fees Before You Send – Get Paid What You Deserve!
How to Use Tricklings Paypal Fee Calculator
This PayPal Fee Calculator helps you quickly determine the fee PayPal will deduct from a transaction. It also shows you how much you will actually receive, and how much you should request if you want to end up with a specific amount after PayPal’s cut.
Step-by-Step Guide
1. Enter the Amount
- In the “Enter Amount” field, type the amount you want to receive (or send).
- Use a positive number, with no commas or currency symbols.
2. Select Your Currency
- Choose USD, EUR, GBP, CAD, or AUD from the “Select Currency” dropdown.
- The calculator uses this currency’s published fixed fee in its math.
3. Pick the Transaction Type
- Business transactions (goods and services): choose card, checkout/Venmo, or Pay in 4/Pay Later, and whether the payment is domestic or international.
- Personal transactions (friends and family): choose domestic bank/balance (free), domestic card (2.90% + fixed fee), or international (flat 5%, $0.99-$4.99).
4. Click “Calculate”
- The calculator instantly displays three results: the PayPal fee, the amount you will receive, and the amount you should ask for if you want to net the figure you originally entered.
Example Calculation
Say you enter $100, select USD, and choose “Debit/Credit Card Payment” under the domestic business options (2.99% + $0.49 fixed fee). The calculator returns:
- PayPal Fee: $3.48
- You Will Receive: $96.52
- You Should Ask For: $103.59 (to net exactly $100 after the fee)
Important Notes
- Amount, currency, and transaction type must all be selected before calculating.
- The fee structure updates automatically based on the transaction type you pick; there is no separate region field, since PayPal’s published rates for personal and business transactions are not divided by region for U.S. accounts.
- “You Should Ask For” is most useful for invoicing: it tells you the amount to request so that PayPal’s fee does not eat into the amount you actually need.
- These figures reflect PayPal’s published U.S. rates and can differ for accounts registered in other countries.