💳PayPal Fee Calculator
Calculate PayPal processing fees and net amount for online and in-person payments
Last updated: January 9, 2025
Our PayPal Fee Calculator is the best PayPal fee calculator available online, helping you understand exactly PayPal fees for receiving money. Whether you're a seller, freelancer, or business owner, this PayPal transaction fee calculator shows you the exact fees PayPal charges for different payment types. Use our PayPal fee calculator 2026 with updated rates to make informed pricing decisions.
This comprehensive tool functions as a PayPal goods and services fee calculator and PayPal G&S fee calculator to help you understand fees for Goods & Services transactions. It also works as a PayPal seller fee calculator to determine your net revenue, a PayPal invoice fee calculator for invoiced payments, and a PayPal instant transfer fee calculator to see fees for instant transfers. Additionally, use it as a PayPal conversion fee calculator and PayPal service fee calculator to account for currency conversion and service charges.
Our PayPal fee calculator international feature helps you calculate fees for cross-border transactions. Whether you're in the UK using our PayPal fee calculator UK, in Europe with PayPal fee calculator EU, in Canada with PayPal fee calculator CAD, in Australia with PayPal fee calculator Australia, or in Germany with PayPal fee calculator Germany, this tool adapts to help you understand PayPal fees for your region.
PayPal Fee Calculator: Understanding PayPal Fees for Receiving Money
Understanding PayPal fees for receiving money is crucial for any business or freelancer. Our PayPal Fee Calculator shows you exactly how much PayPal charges for different transaction types. Here's a breakdown of PayPal's fee structure:
| Payment Type | Fee Structure | Example ($100) | Net Amount |
|---|---|---|---|
| Standard Online (US) | 2.9% + $0.30 | $3.20 | $96.80 |
| International | 4.4% + $0.30 | $4.70 | $95.30 |
| Micropayment (under $10) | 5% + $0.05 | $5.05 | $94.95 |
| PayPal Here - Swiped | 2.7% | $2.70 | $97.30 |
| PayPal Here - Keyed | 3.5% | $3.50 | $96.50 |
PayPal Goods and Services Fee Calculator: G&S Transaction Fees
Our PayPal goods and services fee calculator and PayPal G&S fee calculator help you understand fees for Goods & Services transactions. These transactions include buyer protection, which is why they have higher fees than Friends & Family payments. Use our PayPal seller fee calculator to see your net revenue after G&S fees.
| Transaction Amount | G&S Fee (2.9% + $0.30) | Net Amount | Effective Fee % |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | 5.90% |
| $50.00 | $1.75 | $48.25 | 3.50% |
| $100.00 | $3.20 | $96.80 | 3.20% |
| $500.00 | $14.80 | $485.20 | 2.96% |
| $1,000.00 | $29.30 | $970.70 | 2.93% |
The PayPal goods and services fee calculator shows that the fixed $0.30 fee has a larger impact on smaller transactions. For larger transactions, the effective fee percentage decreases. Use our PayPal G&S fee calculator to plan your pricing strategy.
PayPal Fee Calculator International: Cross-Border Transaction Fees
Our PayPal fee calculator international helps you understand fees for cross-border transactions. International PayPal transactions typically incur higher fees (4.4% + fixed fee) due to currency conversion and additional processing costs. Use this calculator to plan for international sales.
| Transaction Amount | Domestic Fee | International Fee | Fee Difference |
|---|---|---|---|
| $50.00 | $1.75 | $2.50 | $0.75 |
| $100.00 | $3.20 | $4.70 | $1.50 |
| $500.00 | $14.80 | $22.30 | $7.50 |
| $1,000.00 | $29.30 | $44.30 | $15.00 |
The PayPal fee calculator international reveals that international fees are significantly higher. Factor these fees into your international pricing strategy. Consider using our PayPal conversion fee calculator to account for currency conversion fees as well.
PayPal Fee Calculator UK: United Kingdom PayPal Fees
Our PayPal fee calculator UK shows PayPal fees for UK-based accounts. UK PayPal fees are typically 2.9% + £0.30 for domestic transactions and 4.4% + fixed fee for international transactions. Use our PayPal goods and services fee calculator UK to see G&S fees for UK sellers.
| Transaction Amount (£) | UK Domestic Fee | International Fee | Net Amount (Domestic) |
|---|---|---|---|
| £50.00 | £1.75 | £2.50 | £48.25 |
| £100.00 | £3.20 | £4.70 | £96.80 |
| £500.00 | £14.80 | £22.30 | £485.20 |
| £1,000.00 | £29.30 | £44.30 | £970.70 |
The PayPal fee calculator UK shows that UK PayPal fees are similar to US fees when converted. UK sellers should also consider VAT implications. Use our PayPal goods and services fee calculator UK for accurate G&S fee calculations.
PayPal Fee Calculator EU, CAD, Australia, and Germany: Regional Fee Comparison
PayPal fees vary by region. Our PayPal fee calculator EU, PayPal fee calculator CAD, PayPal fee calculator Australia, and PayPal fee calculator Germany help you understand fees for different regions. While fee structures are similar, currency and local regulations may affect rates.
| Region | Domestic Fee Structure | International Fee | Example ($100 equivalent) |
|---|---|---|---|
| United States | 2.9% + $0.30 | 4.4% + $0.30 | $3.20 |
| European Union | 2.9% + €0.35 | 4.4% + €0.35 | €3.25 |
| Canada (CAD) | 2.9% + C$0.30 | 4.4% + C$0.30 | C$3.20 |
| Australia | 2.6% + A$0.30 | 4.4% + A$0.30 | A$2.90 |
| Germany | 2.9% + €0.35 | 4.4% + €0.35 | €3.25 |
Regional variations exist in PayPal fees. Our PayPal fee calculator EU, PayPal fee calculator CAD, PayPal fee calculator Australia, and PayPal fee calculator Germany account for these differences. Always check PayPal's current rates for your specific region.
PayPal Invoice Fee Calculator: Fees for Invoiced Payments
Our PayPal invoice fee calculator helps you understand fees for PayPal invoices. Invoiced payments through PayPal are typically charged the standard Goods & Services fee (2.9% + $0.30 for domestic, 4.4% + fixed fee for international). Use this calculator to determine your net revenue from invoiced payments.
| Invoice Amount | PayPal Invoice Fee | Net Amount Received | Fee Percentage |
|---|---|---|---|
| $100.00 | $3.20 | $96.80 | 3.20% |
| $500.00 | $14.80 | $485.20 | 2.96% |
| $1,000.00 | $29.30 | $970.70 | 2.93% |
| $5,000.00 | $145.30 | $4,854.70 | 2.91% |
The PayPal invoice fee calculator shows that invoice fees follow the standard Goods & Services fee structure. Factor these fees into your invoice pricing to ensure you receive your desired net amount.
PayPal Instant Transfer Fee Calculator: Fast Transfer Options
Our PayPal instant transfer fee calculator helps you understand fees for instant transfers to your bank account. PayPal offers instant transfers (typically within minutes) for a fee, or free standard transfers (1-3 business days). Use this calculator to decide if instant transfer fees are worth the speed.
| Transfer Amount | Instant Transfer Fee | Standard Transfer Fee | Fee Difference |
|---|---|---|---|
| $50.00 | $0.25 | $0.00 | $0.25 |
| $100.00 | $0.50 | $0.00 | $0.50 |
| $500.00 | $2.50 | $0.00 | $2.50 |
| $1,000.00 | $5.00 | $0.00 | $5.00 |
The PayPal instant transfer fee calculator shows that instant transfers typically cost 0.5% of the transfer amount (minimum $0.25, maximum $15). Standard transfers are free but take 1-3 business days. Use our PayPal transfer fee calculator to compare options.
PayPal Conversion Fee Calculator: Currency Conversion Costs
Our PayPal conversion fee calculator helps you understand currency conversion fees. When receiving payments in a different currency, PayPal charges a conversion fee (typically 2.5-4% above the exchange rate). This is in addition to the standard transaction fee. Use our PayPal service fee calculator to see total fees including conversion.
| Amount (Foreign Currency) | Exchange Rate Markup | Conversion Fee | Transaction Fee | Total Fees |
|---|---|---|---|---|
| €100 (≈$110) | 2.5% | $2.75 | $3.49 | $6.24 |
| £100 (≈$125) | 3.0% | $3.75 | $3.93 | $7.68 |
| C$200 (≈$150) | 2.5% | $3.75 | $4.65 | $8.40 |
The PayPal conversion fee calculator shows that currency conversion adds significant costs to international transactions. Factor both the conversion fee and transaction fee into your international pricing. Our PayPal service fee calculator helps you see the total cost.
PayPal Buyer Protection Fee Calculator: Understanding Protection Costs
Our PayPal buyer protection fee calculator helps you understand that Goods & Services transactions include buyer protection, which is why they have higher fees than Friends & Family payments. The protection fee is included in the standard 2.9% + $0.30 fee structure.
Key Points About PayPal Buyer Protection:
- Goods & Services transactions include buyer and seller protection
- Protection fees are included in the standard transaction fee
- Friends & Family payments have no protection and lower fees (but violate PayPal's terms for business transactions)
- Always use Goods & Services for business transactions to ensure protection
- Use our PayPal seller fee calculator to see your net revenue after protection fees
Best PayPal Fee Calculator: Why Choose Our Tool
Our PayPal Fee Calculator is the best PayPal fee calculator available because it:
Key Features:
- Calculates fees for all PayPal payment types (standard, international, micropayment, PayPal Here)
- Shows net amounts and effective fee percentages
- Works as a PayPal transaction fee calculator, PayPal invoice fee calculator, and PayPal instant transfer fee calculator
- Includes regional variations (UK, EU, CAD, Australia, Germany)
- Accounts for PayPal fees for receiving money across all scenarios
- Free to use with no registration required
- Updated with PayPal fee calculator 2026 rates
Whether you need a PayPal goods and services fee calculator, PayPal transfer fee calculator, or PayPal conversion fee calculator, our tool provides accurate calculations to help you make informed pricing decisions.
Frequently Asked Questions
PayPal charges 2.9% + $0.30 per transaction for standard online payments in the US. For international transactions, the fee is 4.4% plus a fixed fee that varies by currency. Micropayments (under $10) are charged at 5% + $0.05. PayPal Here (in-person) charges 2.7% for swiped cards and 3.5% for keyed-in cards.
To receive a specific net amount after PayPal fees, you need to charge more. For standard payments, divide your desired net amount by 0.971, then add $0.30. For example, to receive $100, charge approximately $103.30. Use this calculator in reverse: try different transaction amounts until you reach your desired net amount.
No, PayPal fees vary by country and payment method. International transactions typically have higher fees (4.4% plus a fixed fee). Some countries may also have additional fees or different rate structures. Always check PayPal's current pricing for your specific country.
Standard PayPal fees apply to domestic transactions (2.9% + $0.30). International fees apply to cross-border transactions (4.4% + fixed fee). The higher fee for international transactions covers additional processing costs and currency conversion.
PayPal micropayment pricing (5% + $0.05) is designed for transactions under $10. However, you must apply for micropayment pricing and it applies to all transactions. For transactions over $10, standard pricing (2.9% + $0.30) is usually more cost-effective.
PayPal Here is PayPal's in-person payment solution. Swiped card transactions are charged at 2.7% with no fixed fee. Keyed-in card transactions (manually entered) are charged at 3.5% with no fixed fee. PayPal Here is ideal for businesses that accept payments in person.
Yes, PayPal may charge additional fees for certain services: chargeback fees, refund fees (the original processing fee is not refunded), currency conversion fees, and fees for certain payment methods. This calculator only shows the standard processing fees.