PayPal Fee Rate Calculator
Calculate exactly how much you'll receive after PayPal deductions.
$
%
$
If you RECEIVE $100.00
-$3.48
You will get: $96.52
To GET exactly $100.00
$103.59
You should invoice for this amount.
How Does the PayPal Fee Calculation Work?
PayPal charges a percentage of the total transaction plus a fixed fee based on the currency received. For most standard US domestic transactions, the standard rate is often 2.99% plus a fixed fee of $0.49. However, these rates change based on your region and the type of payment (e.g., QR codes, International, or Charity rates).
The Mathematical Formulas
To calculate these values accurately, we use two different formulas depending on your goal:
- To find your Net Income:
Amount - (Amount * (Fee % / 100) + Fixed Fee) - To find the Invoice Amount (to receive a specific total):
(Target Amount + Fixed Fee) / (1 - (Fee % / 100))
Example Calculation
If you sell an item for $100.00 using the standard 2.99% + $0.49 rate:
- Variable Fee: $100 * 0.0299 = $2.99
- Fixed Fee: $0.49
- Total Fee: $3.48
- You Receive: $96.52
Common PayPal Fee Rates (2024)
Standard Merchant Rates vary by payment type:
- Standard Credit/Debit Cards: 2.99% + fixed fee
- PayPal Checkout: 3.49% + fixed fee
- International Transactions: Usually adds an extra 1.50% percentage fee
- QR Code Transactions: 1.90% + $0.10 (for amounts above $10)
How to Reduce Fees
While PayPal fees are non-negotiable for most, you can minimize impact by:
- Using "Friends and Family" for personal transfers (no fees, but no buyer protection).
- Applying for a "Non-Profit" status if you are a registered 501(c)(3).
- Incorporating the fee into your product pricing using the "Invoice Amount" result above.