PayPal Fee Calculator
See how much PayPal takes from a payment and what you actually receive, or work backwards to find the amount to invoice so you receive exactly what you need. Rates come from PayPal's own fee pages for each country.
Built and checked by Saurabh Pandey · page updated
Calculator
Fee breakdown
Enter an amount to see PayPal's fee.
How to use the PayPal Fee Calculator
- Choose the country where your PayPal account is registered. Rates and fixed fees differ by country and currency.
- Choose "What I receive" to see the fee on a payment, or "What to charge" if you need to receive an exact amount after fees (for example when sending an invoice).
- Pick how the buyer pays: through PayPal Checkout, by card, with Pay Later, or as a goods & services payment.
- If the buyer is in another country, choose their region to add PayPal's international fee.
How it is calculated
Fee = amount × (rate % + international %) + fixed fee You receive = amount − fee To receive X = (X + fixed fee) ÷ (1 − (rate % + international %) ÷ 100)
A common mistake when working backwards is to add the fee percentage to the amount you want. That is slightly too little, because PayPal charges its percentage on the larger total. Dividing by (1 − rate) gives the exact figure.
Worked examples
US: receiving $100 through PayPal Checkout
3.49% + $0.49 leaves $96.02.
| Payment received | $100.00 |
| PayPal Checkout (PayPal balance, Venmo) (3.49% + 0.49) | −$3.98 |
| You receive | $96.02 |
Customer pays $100.00 · PayPal fee $3.98 · You receive $96.02 · Effective rate 3.98%
US: what to invoice to receive exactly $500
| Amount to charge | $518.59 |
| PayPal Checkout (PayPal balance, Venmo) (3.49% + 0.49) | −$18.59 |
| You receive | $500.00 |
Customer pays $518.59 · PayPal fee $18.59 · You receive $500.00 · Effective rate 3.58%
US: a $60 goods & services payment from a buyer in Canada
International payments add 1.5%.
| Payment received | $60.00 |
| Send/receive money for goods & services (2.99% + 0) | −$1.79 |
| Buyer outside the US (+1.5%) | −$0.90 |
| You receive | $57.31 |
Customer pays $60.00 · PayPal fee $2.69 · You receive $57.31 · Effective rate 4.49%
UK: a £45 sale to a buyer in the UK
The UK standard rate is 2.9% + £0.30.
| Payment received | £45.00 |
| Standard rate (sales under £4,000 a month) (2.9% + 0.3) | −£1.61 |
| You receive | £43.40 |
Customer pays £45.00 · PayPal fee £1.61 · You receive £43.40 · Effective rate 3.57%
UK: the same sale to a buyer in Germany
Buyers in the EEA add 1.29%; buyers elsewhere add 1.99%.
| Payment received | £45.00 |
| Standard rate (sales under £4,000 a month) (2.9% + 0.3) | −£1.61 |
| Buyer in the EEA (+1.29%) | −£0.58 |
| You receive | £42.81 |
Customer pays £45.00 · PayPal fee £2.19 · You receive £42.81 · Effective rate 4.86%
Canada: C$80 from a buyer in the US
| Payment received | C$80.00 |
| Commercial transaction (2.9% + 0.3) | −C$2.62 |
| Buyer in the US (+0.8%) | −C$0.64 |
| You receive | C$76.74 |
Customer pays C$80.00 · PayPal fee C$3.26 · You receive C$76.74 · Effective rate 4.08%
Australia: invoicing to receive A$250
| Amount to charge | A$257.78 |
| Commercial transaction (2.9% + 0.3) | −A$7.78 |
| You receive | A$250.00 |
Customer pays A$257.78 · PayPal fee A$7.78 · You receive A$250.00 · Effective rate 3.02%
India: a $200 payment from a client abroad
Indian PayPal accounts receive international payments at 4.4% + a fixed fee; converting to rupees adds PayPal's exchange-rate margin.
| Payment received | $200.00 |
| Payment from a buyer outside India (4.4% + 0.3) | −$9.10 |
| You receive | $190.90 |
Customer pays $200.00 · PayPal fee $9.10 · You receive $190.90 · Effective rate 4.55%
Fees used by this calculator
| Country | Payment type | Fee | Extra fees |
|---|---|---|---|
| United States | PayPal Checkout (PayPal balance, Venmo) | 3.49% + $0.49 | +1.5% Buyer outside the US |
| Credit or debit card payment | 2.99% + $0.49 | ||
| Send/receive money for goods & services | 2.99% | ||
| PayPal Pay Later | 4.99% + $0.49 | ||
| United Kingdom | Standard rate (sales under £4,000 a month) | 2.9% + £0.30 | +1.29% Buyer in the EEA; +1.99% Buyer anywhere else |
| Merchant rate (£4,000–£8,000 last month) | 2.4% + £0.30 | ||
| Merchant rate (over £8,000 last month) | 2.1% + £0.30 | ||
| Buy Now Pay Later | 3.9% + £0.30 | ||
| Card payment without a PayPal account | 1.2% + £0.30 | ||
| Canada | Commercial transaction | 2.9% + C$0.30 | +0.8% Buyer in the US; +1% Buyer anywhere else |
| PayPal Pay Later | 4.9% + C$0.30 | ||
| Australia | Commercial transaction | 2.9% + A$0.30 | +1% Buyer outside Australia |
| India | Payment from a buyer outside India | 4.4% + $0.30 | – |
United States: Fixed fee for US dollar payments is $0.49. Currency conversion, if needed, is charged separately at PayPal's exchange rate. United Kingdom: Fixed fee for pound sterling payments is £0.30. Merchant rates depend on your previous month's sales volume. Canada: Fixed fee for Canadian dollar payments is C$0.30. Australia: Fixed fee for Australian dollar payments is A$0.30. India: PayPal India only handles international payments. The fixed fee depends on the currency received ($0.30 for US dollars). Converting to rupees adds PayPal's currency conversion spread.
Last verified: . Official sources: PayPal US merchant fees · PayPal UK merchant fees · PayPal CA merchant fees · PayPal AU merchant fees · PayPal IN merchant fees
How to pay less in PayPal fees
- Check your merchant rate. In the UK, sellers who processed more than £4,000 last month qualify for lower rates; in other countries you can ask PayPal for merchant rates at high volume.
- Bill in your own currency. Receiving another currency and converting it adds PayPal's conversion margin on top of the fees.
- Consider card processing for local buyers. Card payments through a payment processor such as Stripe can cost less than PayPal Checkout. Compare with the Stripe fee calculator.
- Never use "friends and family" for sales. It avoids the fee but removes PayPal's seller and buyer protection and breaks PayPal's rules for commercial payments.
What is not included
Currency conversion, chargeback and dispute fees, withdrawal fees in some countries, and fees for PayPal Here or QR-code payments in person are not included.
Frequently asked questions
How much is the PayPal fee for $100 in 2026?
In the US, a $100 payment through PayPal Checkout costs 3.49% + $0.49 = $3.98, so you receive $96.02. A goods and services payment sent from a PayPal account costs 2.99%, or $2.99.
What is the PayPal fee in the UK?
The standard rate for commercial payments in the UK is 2.9% + £0.30. Buyers in the EEA add 1.29% and buyers elsewhere add 1.99%. Sellers with more than £4,000 a month in sales can qualify for 2.4% or 2.1%.
How do I calculate how much to charge to cover PayPal fees?
Add the fixed fee to the amount you want to receive, then divide by (1 − the percentage rate). To receive $500 through PayPal Checkout in the US: (500 + 0.49) ÷ (1 − 0.0349) = $518.59.
Does PayPal charge to receive money from friends and family?
Personal payments between friends and family funded by a PayPal balance or bank account are generally free within the same country. They must not be used for sales.
Can sellers in India receive payments from Indian buyers on PayPal?
No. PayPal India only supports international payments. Payments from buyers abroad are charged 4.4% plus a fixed fee based on the currency received.