PayPal Fee Calculator
Estimate PayPal transaction fees with verified US Checkout and card-payment presets or your own percentage and fixed fee.
Quick answer
PayPal Fee Calculator helps estimate the result from your inputs in the browser. Use the output as a planning number, then compare it with your records, provider terms, or official guidance before making a final decision.
US commercial-transaction estimate. The presets were checked against PayPal's US merchant fee table on August 10, 2026. Payment type, account, country, currency, international status, conversion, disputes, and optional services can change the total.
Calculator
Results update as you type
You receive
This is fee arithmetic, not permission to add a surcharge. Confirm your account, payment type, currency, customer location, contract, and applicable law.
Breakdown
Formula
The math behind the result
Estimated fee = charge × percentage + fixed fee
Target-net charge = (target received + fixed fee) ÷ (1 − percentage)
How it works
A clean flow from input to answer
- 1Choose a verified US preset only when it matches the payment flow, or use Custom rate from your account.
- 2Use “I'm charging” to estimate the amount left after the modeled transaction fee.
- 3Use “I want to receive” for arithmetic planning. Check contracts and applicable surcharge rules before changing a customer price.
- 4Model international and currency-conversion costs with Custom rate; they are not silently added by the calculator.
FAQ
Common questions
What do the current presets represent?
The US PayPal table updated July 15, 2026 lists PayPal Checkout at 3.49% plus the currency-specific fixed fee, and standard credit/debit card payments at 2.99% plus that fixed fee. The USD commercial fixed fee is $0.49.
Why was Friends and Family removed?
This tool is for business receipts. Personal transfers have different eligibility, funding, protection, and international rules and should not be presented as a commercial fee-avoidance option.
Does gross-up mean I may pass the fee to a customer?
No. Gross-up is only the inverse fee calculation. Your agreement, payment method, card-network rules, disclosure requirements, and local law determine whether any surcharge is allowed.
What is excluded?
Currency conversion, international additions unless entered, micropayment schedules, chargebacks, refunds, optional protection, tax, and custom account pricing are excluded.
How can I validate the estimate?
Choose a completed transaction with the same payment type and currency. Record the gross amount and PayPal fee from the activity detail, calculate the effective percentage after removing the fixed component, and compare it with the selected preset. If they differ, use Custom rate and keep the transaction date with your pricing record.
Where can I verify the rate?
Check PayPal's official US merchant fee table at paypal.com/us/business/paypal-business-fees and your account agreement.