Sellerkeeps / Payment fees
PayPal fee calculator
See how much PayPal takes from a payment and what lands in your account. Choose the payment type, add the international surcharge if it applies, or work backwards to find what to charge so you receive an exact amount.
How to use the PayPal Fee Calculator
- STEP 1
Enter the payment
Put in the amount the customer pays. Add shipping if you charge it separately.
- STEP 2
Pick the payment type
Checkout, card, Venmo, Pay Later, QR code, Friends and Family for goods and services, or an invoice paid by bank.
- STEP 3
Check the result
See the fee and the amount you receive. To receive an exact amount, enter it as your profit target and read the price to charge.
What PayPal charges for a payment
For US sellers, most commercial payments cost a percentage plus a fixed fee. PayPal Checkout, Guest Checkout and Pay with Venmo are 3.49% plus $0.49. A standard credit or debit card is 2.99% plus $0.49. QR code payments are cheaper at 2.29% plus $0.09, and an invoice paid by bank transfer costs 1% capped at $10.
Payments from outside the US add a 1.50% surcharge, and a currency conversion adds a spread of around 3%. Friends and Family payments are not free when they are for goods and services, and cost 2.99%.
How to charge so you receive an exact amount
The fixed fee means the percentage you lose is larger on small payments. To receive exactly $50 through Checkout you cannot simply add 3.49%, because the fee is taken from the larger total too. Enter 0 as the item cost, set your pricing goal to a profit of $50 and the calculator gives the lowest price that leaves you with $50 after fees.
Worked example
A US customer pays you $100 through PayPal Checkout.
| Item | Amount |
|---|---|
| Buyer pays you (price + shipping) | $100.00 |
| Percentage fee | −$3.49 |
| Fixed fee | −$0.49 |
| Paid out after fees | $96.02 |
Total fees are $3.98, which is 4.0% of what the buyer pays.
PayPal US domestic rates
| Payment type | Fee |
|---|---|
| PayPal Checkout / Guest Checkout | 3.49% + $0.49 |
| Standard credit or debit card | 2.99% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| PayPal Pay Later | 4.99% + $0.49 |
| QR code payment | 2.29% + $0.09 |
| Friends and Family, goods and services | 2.99% |
| Invoice paid by bank (ACH) | 1%, capped at $10 |
Extras
| Fee | Amount |
|---|---|
| International surcharge | +1.50% on commercial and invoice payments |
| Currency conversion | 3% spread (4% when a buyer pays in another currency) |
| Chargeback | $20 |
| Dispute | $15 standard, $30 high volume |
Rates checked 13 October 2026 against PayPal merchant fees (updated by the platform 1 October 2026).
Questions people ask
How much does PayPal take from $100?
With PayPal Checkout the fee on $100 is $3.98 (3.49% plus $0.49), so you receive $96.02. With a standard card payment it is $3.48. Add 1.50% if the buyer is outside the US.
Does PayPal charge a fixed fee as well as a percentage?
Yes. Most commercial payments have a fixed fee, $0.49 for US dollars. QR code payments are $0.09, and bank-paid invoices and Friends and Family goods and services have none.
Is there an extra fee for international payments?
Yes. Commercial and invoice payments from outside the US add 1.50% on top of the domestic rate, and a currency conversion adds a spread.
Are chargebacks and disputes charged?
Yes. A chargeback costs $20. A standard dispute fee is $15, and $30 for high-volume sellers.
How current are these rates?
They were checked against PayPal’s own US merchant fee page on 13 October 2026, which was last updated by PayPal on 1 October 2026. Your account may have negotiated rates.