PayPal Fee Calculator

The PayPal Fee Calculator estimates exactly how much PayPal deducts from each transaction and how much lands in your account afterward. Enter the amount, pick a payment type, and instantly see the processing fee, the fixed per-transaction fee, any cross-border surcharge, your effective rate, and your net payout.

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

Who It Helps

Freelancers

Invoice clients with confidence by knowing the exact amount to charge so you keep your target rate after fees.

Online Sellers

Price products correctly by factoring PayPal's percentage and fixed fees into every sale.

Nonprofits

Estimate net donations using PayPal's reduced charitable rate before campaigns go live.

How to Calculate PayPal Fees

Enter the Amount

Type the transaction amount you expect to receive or charge. Results update instantly as you type.

Choose the Payment Type

Select a type such as Domestic Goods & Services, QR Code / In-Person, or International. The correct PayPal rate loads automatically.

Adjust Rates if Needed

Open Fee Settings to override the processing percentage, fixed fee, or international surcharge — useful for non-US accounts or special agreements.

Read the Results

Review You Receive, total fees, effective rate, and the Ask For amount — the price to charge so the net equals your target.

Use "Ask For" to protect your margins. Instead of absorbing the fee, charge the suggested amount so the buyer covers it and you receive the full figure you wanted.

Features & PayPal Rates

Pre-Loaded US Rates

Every payment type ships with PayPal's published US rates so you can calculate without looking anything up. All values 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	—

What the Calculator Shows

Net Payout & Total Fees

See the exact dollar amount you keep and what PayPal takes, broken down line by line.

You Receive (net amount)
Total fees deducted
Effective fee rate

Reverse "Ask For" Amount

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

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

Cross-Border & Custom Adjustments

International Surcharge

The 1.50% cross-border fee is added automatically when you pick an international type.

Editable Rates

Override processing, fixed, and extra fees to match your region or negotiated pricing.

Instant Breakdown

A visual bar splits fees versus your payout, with each fee component itemized.

Currency conversion is separate. When PayPal converts currencies it applies a markup on top of these transaction fees. This calculator focuses on the per-transaction processing fees only.

Frequently Asked Questions

What is the current PayPal Goods & Services fee?

PayPal charges 3.49% + $0.49 per transaction for domestic Goods & Services payments (PayPal Checkout). Standard credit and debit card payments use a lower rate of 2.99% + $0.49.

How much does PayPal charge for international payments?

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

What is the PayPal QR code rate?

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

How does the "Ask For" amount work?

The "Ask For" figure runs the math in reverse: it tells you the price to charge so that, after PayPal's percentage and fixed fees, your net payout equals the amount you entered. It is ideal for invoicing when you need to receive an exact sum.

Are these rates accurate for my country?

The pre-loaded 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 for an accurate estimate, and always confirm against your PayPal account.

What is the micropayment rate for?

PayPal's micropayment pricing (4.99% + $0.09) is designed for 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.