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PayPal Fee Calculator

Work out PayPal's fee on a payment for goods or services in your country, with the international surcharge by payer region, or the price to charge.

Reviewed by CentExactRates effective 14 sourcesCalculated in your browser. Shared links include inputs.

PayPal fee

$3.98

3.98% of a $100.00 payment, leaving you $96.02

Where your business is

PayPal sets merchant fees per country, in that country's currency, by where your account is registered.

The payment
Work out
$

What the customer pays, including any tax.

Cards, bank debits and wallets each carry their own rate.

PayPal adds 3% to convert it into USD.

For the monthly total, all at this amount.

  • You receive

    $96.02

  • Effective rate

    3.98%

    fee ÷ payment

  • Fees on 100 payments

    $398.00

    a month, at this amount

PayPal standard pricing, United States. An estimate from published rates, confirm current figures with the official source.

Fee breakdown

  • PayPal Checkout$3.98
    PayPal Checkout: how this was worked out

    From PayPal's United States price list: paypal checkout cost 3.49% of $100.00 plus $0.49. Fee $3.98.

    Price list checked against the provider's published page on Oct 19, 2026.

  • Total PayPal fee$3.98

Every method on $100.00

PayPal's fee on a $100.00 payment by method and payer, United States
Method and payerFee
PayPal Checkout: Payers in the US (yours)$3.98
PayPal Checkout: Payers outside the US$5.48
Standard credit and debit card payments: Payers in the US$3.48
Standard credit and debit card payments: Payers outside the US$4.98
QR code transactions: Payers in the US$2.38
QR code transactions: Payers outside the US$3.88

A result link includes the numbers you entered. Share it only with people you want to see them.

How this is calculated

PayPal charges a business a percentage of each payment it receives for goods or services, plus a fixed fee set in the currency, at the rates on the merchant fee page for the country where the account is registered. A payer outside your country adds an international surcharge that depends on their region, and money received in another currency loses a conversion spread when it is converted. Switch to the price-to-charge mode to find the smallest price that still leaves the amount you want after PayPal has taken its share.

FeeA × r + f + A × s + A × c

Price to receive N(N + f) ÷ (1 − r − s − c)

A
the payment
r, f
the commercial rate and fixed fee
s
the surcharge for the payer's region, zero at home
c
the conversion spread, when the payment is converted
Each part is shown as its own line next to the result, with your own figures.

What this does not include

  • Personal payments to friends and family, charity rates and micropayment pricing.
  • Pay Later, alternative payment methods, chargebacks and dispute fees.
  • Interchange-plus card pricing and any rate negotiated for high volumes.
  • The fixed fee for a currency other than your own: the calculator uses your currency's.

PayPal fees explained: commercial rates, surcharges and gross-ups. How PayPal builds a merchant fee from a rate, a fixed fee by currency and a surcharge by payer region, a $100 sale worked through, and how to pass it on.

Data sources

PayPal merchant fees, USPayPal merchant fees (US)Within its effective period
PayPal merchant fees, GBPayPal merchant fees (UK)Within its effective period
PayPal merchant fees, DEPayPal Gebuehren fuer Haendler (DE)Within its effective period
PayPal merchant fees, CAPayPal merchant fees (CA)Within its effective period
PayPal merchant fees, AUPayPal merchant fees (AU)Within its effective period
PayPal merchant fees, IEPayPal merchant fees (IE)Within its effective period
PayPal merchant fees, NLPayPal merchant fees (NL)Within its effective period
PayPal merchant fees, NZPayPal merchant fees (NZWithin its effective period
PayPal merchant fees, SEPayPal merchant fees (SE)Within its effective period
PayPal merchant fees, INPayPal merchant fees (IN)Within its effective period
PayPal merchant fees, FIPayPal merchant fees (FI)Within its effective period
PayPal merchant fees, JPPayPal merchant fees (JP)Within its effective period
PayPal merchant fees, FRPayPal merchant fees (FR)Within its effective period
PayPal merchant fees, ESPayPal merchant fees (ES)Within its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

Figures are estimates derived from published rates and rules, current at the review date shown at the top of this page and taken from the sources listed under Data sources on this page. Rates, fees and thresholds change; always confirm current values with the official source before relying on a result.