PayPal Fee Calculator
Calculate merchant fees and net proceeds instantly
Standard (2.9%)
International (4.4%)
QR Code (1.9%)
PayPal Checkout (3.49%)
Donations (2.89%)
Total Fee
$0.00
You Receive (Net)
$0.00
To receive exactly the input amount, you should ask for:
$0.00
How PayPal Fees are Calculated
Understanding the cost of digital transactions is vital for freelancers, e-commerce sellers, and small businesses. PayPal primarily uses a two-part fee structure for commercial payments: a percentage-based fee and a fixed fee.
The Standard Formula
For a standard domestic transaction, the calculation follows this logic:
Total Fee = (Transaction Amount × Rate) + Fixed Fee
Calculating the "Ask" Amount
If you want to ensure you receive a specific net amount after fees, you cannot simply add the fee to your price. You must use the "Reverse Fee" formula to account for the fact that the fee is taken from the total gross amount:
Required Gross = (Net Amount + Fixed Fee) / (1 – Rate)
Practical Examples
- Example 1 (Standard Sale): If you sell a product for $100.00 at a 2.9% + $0.30 rate, the fee is $3.20. You will receive $96.80.
- Example 2 (International Sale): For a $100.00 payment from overseas at 4.4% + $0.30, the fee increases to $4.70, leaving you with $95.30.
- Example 3 (Target Amount): If you want to receive exactly $500.00 in your bank account, you must charge the client $515.24 (assuming 2.9% + $0.30).
Common PayPal Fee Rates (US)
| Transaction Type | Percentage | Fixed Fee |
|---|---|---|
| Online Sales | 2.99% – 3.49% | $0.49 |
| International | +1.50% | Varies |
| QR Code (> $10) | 1.90% | $0.10 |