PayPal Fee Calculator Germany

This calculator shows what PayPal keeps when you receive a business payment into a German PayPal account. PayPal Germany publishes two main rates for sellers. 'Geld für Waren und Dienstleistungen senden/empfangen', a goods-and-services payment sent to your PayPal address or through an invoice, costs 2.49% + €0.35. PayPal Checkout on a website, like most other business transactions, costs 2.99% + €0.39. Payments from the EEA carry no international surcharge. Payments from the UK add 1.29 percentage points. From the US, Canada and the rest of the world the surcharge depends on the product: goods-and-services payments add 1.99 points from the US and Canada and 2.99 from all other markets, while Checkout adds 1.99 points for every non-EEA market outside the UK. The rates come from PayPal's German fee page, last updated 4 November 2026 and checked on 11 November 2026.

PayPal's German business rates

The calculator's default is goods and services, because that is how most individual sellers on classifieds and social platforms are paid. Switch to Checkout if you sell through a shop system with the PayPal button. Choose the buyer's region to add the international surcharge.

Worked examples

The €0.35 fixed fee is what makes small payments expensive: on €20 it adds 1.75% on top of the 2.49%, so the effective rate is 4.24%. On €500 it is only 0.07%.

Pricing so you receive a round amount

amount to request = (amount you want + fixed fee) ÷ (1 − percentage rate)
€50 net, goods & services, EEA: (50 + 0.35) ÷ (1 − 0.0249) = €51.64
€50 net, goods & services, USA: (50 + 0.35) ÷ (1 − 0.0448) = €52.71

The calculator does this for you: type the profit you want into the target field and it returns the price to request.

VAT and PayPal fees

PayPal's German fee page lists its fees without adding VAT, so the calculator does not put VAT on PayPal fees. If you are a VAT-registered business, the price your buyer pays includes your own 19% VAT. Turn on the VAT switch to deduct that output VAT from your payout; Kleinunternehmer and private sellers leave it off.

Other PayPal charges to know about

• Currency conversion: converting a balance, or a payment where you agreed to bear the conversion cost, costs 3% above the base exchange rate.
• Dispute fee: PayPal may charge €14 when a buyer opens a buyer-protection claim or a chargeback on a euro transaction. It is charged in the currency of the original transaction.
• Chargeback fee of €16 for card transactions that did not go through the buyer's PayPal account or guest checkout, for example advanced card processing.
• A fee applies when a SEPA direct-debit payment is returned, reversed or declined.
• Donations and charity transactions have their own rate table and are outside this calculator.

Which PayPal rate applies to you?

The rate depends on how the money reaches you, not on whether you call yourself a business. A buyer who sends a goods-and-services payment to your email address, or pays a PayPal invoice, is charged at 2.49% + €0.35. A buyer who clicks the PayPal button in a web shop (WooCommerce, Shopify, Shopware and similar) goes through PayPal Checkout at 2.99% + €0.39. If that buyer pays by card without logging in to PayPal, the line for payments from users without a PayPal account applies, also 2.99% plus the fixed fee. Invoice purchase with Ratepay (Rechnungskauf) is billed at 2.99% plus the fixed fee too.

The international surcharge depends on where the sender's account is registered, not on where the parcel goes. A buyer in Austria, France or the Netherlands is in the EEA, so there is no surcharge. Switzerland is not in the EEA, so a Swiss buyer adds 1.99 points on Checkout and 2.99 points on a goods-and-services payment. The UK, outside the EEA since Brexit, has its own 1.29-point band.

PayPal compared with marketplace payments

On eBay.de and Etsy you do not pay PayPal's rate separately: eBay's commission and Etsy's processing fee already include payment handling. Use the eBay or Etsy calculator for those sales. This PayPal calculator is for sales through your own website, classified ads, social media, forums and invoices, where PayPal is the payment processor and its fee is your main cost.

How to use this calculator

1. Enter the amount. Type the full amount the buyer pays, in euros.
2. Choose the product. Goods and services, or PayPal Checkout for a website.
3. Choose the buyer's region. EEA adds nothing; UK, US/Canada and other markets add a surcharge.
4. Read the net amount. Or enter a target to find the amount to request.

Frequently asked questions

Sources and updates

• PayPal Deutschland — Gebühren für Händler, checked 2026-11-11.
• § 19 UStG — Besteuerung der Kleinunternehmer, checked 2026-11-11.