PayPal Fee Calculator

This PayPal fee calculator uses the official US merchant fee page we fetched on 11 November 2026. That page was itself last updated on 4 November 2026. The rate that most people mean when they say 'PayPal goods and services' is 2.99% for domestic Send/Receive Money for Goods and Services, with no fixed fee in that table row. PayPal Checkout and Guest Checkout are 3.49% plus a fixed fee of $0.49 USD. Standard card payments are 2.99% + $0.49. Pay with Venmo is 3.49% + $0.49. QR code transactions are 2.29% + $0.09. Receiving an international commercial transaction adds 1.50% on top of the domestic rate. Choose the product you actually use; mixing them is how a '2.99%' estimate misses a fifty-cent fixed fee on every invoice.

Goods and Services is not the same as Checkout

A $100 domestic Goods and Services payment costs $2.99 and leaves $97.01 before your own costs. The same $100 taken through PayPal Checkout costs 3.49% + $0.49, or $3.98, and leaves $96.02. That $0.99 gap is not a rounding error. If you invoice customers on a website checkout, do not use the Goods and Services row. If you request money for a sale through the personal Goods and Services flow, do not use the Checkout row. The official table lists both, and this calculator exposes them as a product selector rather than hiding the difference behind a single 'PayPal fee' label.

fee = (domestic percent + optional 1.50% international) × amount received + fixed fee for that product
USD fixed fees: Goods and Services $0.00; Checkout or Venmo $0.49; cards $0.49; QR $0.09
payout = amount received − fee
profit = payout − your cost − any shipping you still pay

The amount received should include shipping if the buyer paid it through the same PayPal transaction, and it should include sales tax if that tax was part of the payment you received. Whether you later remit the tax does not erase it from the processing base. Enter tax so the percentage is charged on the true intake, then let the payout remittance line take it back out of what you keep.

Domestic examples on a $100 payment

What we are not silently including

The same official page lists currency-conversion spreads, micropayments at 4.99% + a small fixed fee, chargeback and dispute fees, instant withdrawal at 1.50%, and a long list of optional products. This calculator does not fold those into the basic sale fee, because most users asking for a 'PayPal fee calculator' want the commercial receiving rate. If a conversion or a dispute applies, read the official page for that line rather than assuming we have hidden it in the 2.99%. OpenFeeCalculator is not affiliated with PayPal. A PayPal fee shown here is an estimate from the official US merchant page, not a PayPal product.

Do not mix Goods and Services with Checkout

The US PayPal merchant fee page we fetched on 11 November 2026, which printed a last-updated date of 4 November 2026, lists more than one commercial rate. Goods and Services is 2.99% with no fixed fee in the table we transcribed. Checkout products, including PayPal on a merchant site and listed related products such as Venmo where the table groups them, are 3.49% + $0.49. International increments of +1.50% apply where the official table shows them. Choosing the wrong product is an easy way to understate a $0.49 fixed fee or to apply a personal-payment story from an old blog post. This calculator asks you to pick the product first, then applies only that official row.

What PayPal fees do and do not replace

A PayPal fee is a payments fee. It does not replace an eBay final value fee, an Etsy transaction fee, or a platform shipping rule. If you are checking a sale that already happened on a marketplace, start on that marketplace's calculator; only use this page when PayPal is actually the commercial instrument on the transaction, or when you are comparing a payments option off-platform. Currency conversion, chargebacks, and holds are outside the simple rate table and are not invented here. The methodology page records that we only encode published commercial rows.

How to use this calculator

1. Pick the PayPal product you actually used. Goods and Services, Checkout, cards, Venmo and QR do not share one rate. If you are unsure, look at the transaction details in your PayPal account.
2. Enter the full amount you received. Include shipping and tax if they were part of the same payment. The percentage is charged on that intake.
3. Tick international when the sender is in another market. The official page adds 1.50% for receiving international commercial transactions.
4. Read the fee as one line, then look at profit. PayPal is a payment fee, not a marketplace commission. If the sale also happened on Etsy or eBay, do not double-count unless you truly paid both.

Frequently asked questions

Sources and updates

• PayPal Merchant Fees | United States (updated 4 Nov 2026), checked 2026-11-11.