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PayPal Fee Calculator
See how much PayPal keeps on a charge and what lands in your account. US merchant rates with optional cross-border surcharge.
Payment details
US rate: 3.49% + $0.49
Rates vary by payment method, currency, and account type.
You receive
$96.02
Effective rate 4.0% on this charge.
- Percentage fee
- $3.49
- Fixed fee
- $0.49
- Total fees
- $3.98
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PayPal US merchant rates
PayPal fees depend on how the buyer pays. Checkout integrations typically use 3.49% + $0.49. Card payments run 2.99% + $0.49. Simple goods & services transfers are 2.99% with no fixed fee.
| PayPal Checkout | 3.49% + $0.49 |
| Standard card | 2.99% + $0.49 |
| Goods & services | 2.99% |
| Cross-border (optional) | +1.5% |
Official sources
Rates and formulas in this calculator are based on the documentation below. Platforms change fees — confirm current numbers before pricing or payouts.
Common questions
Which PayPal rate should I use for my online store?
Most ecommerce checkouts use PayPal Checkout or Guest Checkout at 3.49% + $0.49 per transaction. If customers pay with a card without a PayPal account, the standard card rate is 2.99% + $0.49. Peer-to-peer goods & services payments are 2.99% with no fixed fee.
Does PayPal charge extra for international payments?
Cross-border commercial transactions can include an additional 1.5% fee on top of the base rate. Enable the international option if your buyers pay from outside the US.
Are PayPal fees refunded when I issue a refund?
PayPal typically does not return the original processing fee on refunds, though policies can vary. Treat fees as non-recoverable when planning margins.