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PayPal fee calculator

Enter an amount and the kind of payment. You get PayPal's fee and what lands in your balance; switch to “Charge to receive” to find what to bill so you receive an exact amount after fees.

Free, no sign-up. Updated · fees checked on October 21, 2026

You receive

$96.02

Fee
$3.98
Effective fee
3.98%
Fee rate
3.49% + $0.49

How it's calculated

Fee
= amount × rate (+1.5% international) + fixed fee
Charge to receive X
= (X + fixed fee) ÷ (1 − rate)

Example

A $100 PayPal Checkout payment from a US buyer costs 100 × 3.49% + $0.49 = $3.98, so you receive $96.02. From a buyer abroad, add 1.5%.

PayPal US rates (checked 2026-10-21)

PayPal Checkout and guest checkout: 3.49% + fixed fee. Standard credit and debit card payments: 2.99% + fixed fee. Goods and services sent to you directly: 2.99%. Pay Later: 4.99% + fixed fee.

International payments add 1.5%. The fixed fee depends on the currency received: $0.49 USD, €0.39 EUR, £0.39 GBP, C$0.59 CAD, A$0.59 AUD.

FAQ

How much is PayPal's fee on $100?

For PayPal Checkout from a US buyer: $3.98 (3.49% + $0.49), checked 2026-10-21.

What's the PayPal fee for goods and services?

Receiving money for goods and services is 2.99% under PayPal's US commercial rates, plus 1.5% when the sender is in another market.

How do I make the buyer cover the fee?

Use “Charge to receive”: it divides the amount you want plus the fixed fee by (1 − rate). Check local rules before adding surcharges.

Does PayPal charge to receive from abroad?

Yes, an extra 1.5% on commercial payments from other markets, and currency conversion if the money needs converting.

Sources (read on October 21, 2026)

  1. PayPal merchant fees (US), last updated October 1, 2026

Fees change; check the provider's page before relying on a figure. Results are estimates for general information, not financial or tax advice. Brand names belong to their owners; Chekvo isn't affiliated with them.

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