PayPal Fee Calculator

The PayPal Fee Calculator shows what PayPal takes from a payment and the net amount that actually reaches your account. Enter the amount, choose a payment type, and instantly see the processing fee, fixed per-transaction fee, any cross-border surcharge, your effective rate, and your payout.

Covers 7 PayPal payment types with US rates preloaded: domestic Goods & Services, standard card, QR / in-person, international Goods & Services, international card, micropayments, and charitable transactions.

Who It Helps

Freelancers

Know the exact figure to invoice so you keep your target rate after PayPal deducts its cut.

Online Sellers

Price products with PayPal's percentage and fixed fee already factored into every sale.

Nonprofits

Estimate net donations at PayPal's reduced charitable rate before a campaign goes live.

Private by design: every calculation runs in your browser — nothing you enter is uploaded to a server.

How to Calculate PayPal Fees

Enter the Amount

Type the transaction amount you expect to receive or charge. Results recalculate instantly as you type — there is no submit button.

Choose the Payment Type

Pick a type such as Domestic Goods & Services, QR Code / In-Person, or International. The matching PayPal rate loads into the fee fields automatically.

Adjust Rates if Needed

Open Fee Settings to override the processing percentage, fixed fee, or international surcharge — handy for non-US accounts or negotiated pricing.

Read the Results

Review You Receive, total fees, effective rate, and the Ask For amount, then use Reset to reload the defaults.

Use "Ask For" to protect your margin. Instead of absorbing the fee, charge the suggested figure so the net you receive matches the amount you actually wanted.

Rates & What the Tool Shows

Preloaded US Rates

Every payment type ships with PayPal's published US rates, so you can calculate without looking anything up. All three fee fields stay fully editable in Fee Settings.

Payment Type	Processing	Fixed Fee	Extra
Domestic — Goods & Services	3.49%	$0.49	—
Domestic — Standard Card	2.99%	$0.49	—
QR Code / In-Person	2.29%	$0.09	—
International — Goods & Services	3.49%	$0.49	+1.50%
International — Card	2.99%	$0.49	+1.50%
Micropayments	4.99%	$0.09	—
Charitable Organization	1.99%	$0.49	—

Two Ways to Calculate

Net Payout & Fee Breakdown

See the dollar amount you keep and what PayPal takes, itemized line by line.

You Receive (net amount)
Total fees and effective rate
Processing, fixed & extra fees itemized

Reverse "Ask For" Amount

Work backward from your target payout to the price you should charge so fees are covered.

Charge buyers the right total
Keep your full target amount
No margin lost to fees

Cross-Border & Custom Adjustments

International Surcharge

A 1.50% cross-border fee is added automatically the moment you select an international type.

Editable Rates

Override the processing, fixed, and extra fees to match your region or a special agreement.

Visual Breakdown

A bar splits fees versus your payout, with a table listing each fee that applies.

Currency conversion is separate. When PayPal converts between currencies it adds its own markup on top of these fees. This calculator covers the per-transaction processing fees only.

Frequently Asked Questions

How much does PayPal charge per transaction?

For domestic Goods & Services payments, PayPal charges 3.49% + $0.49 per transaction. Standard credit and debit card payments use a lower 2.99% + $0.49, and QR code / in-person sales are cheaper still at 2.29% + $0.09.

How do I calculate how much I'll receive after fees?

Enter the payment amount and pick the payment type. The You Receive figure is your amount minus the processing percentage and the fixed fee. For example, a $100 domestic Goods & Services payment nets about $96.02 after 3.49% + $0.49.

How much does PayPal charge for international payments?

International payments add a 1.50% cross-border surcharge on top of the standard rate. International Goods & Services therefore works out to 3.49% + 1.50% + $0.49. If a currency conversion is also required, PayPal applies a separate markup that this calculator does not include.

How do I know what to charge to receive a specific amount?

Read the Ask For value. It runs the math in reverse and tells you the price to charge so that, after PayPal's percentage and fixed fee, your net payout equals the amount you entered — ideal for invoicing an exact sum.

What is the PayPal QR code rate?

In-person QR code and point-of-sale payments use a reduced 2.29% + $0.09 rate — noticeably lower than the standard online Goods & Services rate of 3.49% + $0.49.

What is the micropayment rate for?

PayPal's micropayment pricing (4.99% + $0.09) suits low-value sales such as digital goods. The higher percentage but lower fixed fee makes it cheaper than the standard rate on very small transactions.

Are these rates accurate for my country?

The preloaded values reflect PayPal's published US rates. Fees vary by country, account type, and currency. Open Fee Settings to enter your local processing percentage, fixed fee, and surcharge, and always confirm the final figures against your own PayPal account.