PayPal fees for goods and services
A US payment marked as goods and services costs the seller 2.99% of the amount. Payments through PayPal Checkout on a website cost 3.49% + $0.49, and card payments processed by PayPal cost 2.99% + $0.49. The buyer pays nothing extra.
| Payment type | US rate |
|---|---|
| Goods & services payment | 2.99% |
| PayPal Checkout | 3.49% + $0.49 |
| Credit or debit card | 2.99% + $0.49 |
| Invoice paid with PayPal | 3.49% + $0.49 |
| Invoice paid by card | 2.99% + $0.49 |
| Invoice paid by bank (ACH) | 1%, capped at $10.00 |
| Pay Later | 4.99% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| QR code (in person) | 2.29% + $0.09 |
| Micropayments | 4.99% + $0.09 |
How much does PayPal take from a $100 payment?
For a $100 goods and services payment PayPal keeps $2.99 and you receive $97.01. Through PayPal Checkout the fee is $3.98 and you receive $96.02.
| Sale | PayPal fees | You receive |
|---|---|---|
| $10.00 | $0.30 | $9.70 |
| $25.00 | $0.75 | $24.25 |
| $50.00 | $1.50 | $48.50 |
| $100.00 | $2.99 | $97.01 |
| $250.00 | $7.48 | $242.52 |
| $500.00 | $14.95 | $485.05 |
| $1,000.00 | $29.90 | $970.10 |
PayPal fees for receiving money internationally
International commercial payments cost the domestic rate plus 1.5%. If the money arrives in a currency you then convert, PayPal adds a 3% conversion spread to the exchange rate (4.00% for some payment types).
PayPal invoice fees
Invoices paid with a PayPal account or Venmo cost 3.49% + $0.49. Invoices paid by card cost 2.99% + $0.49, Pay Later 4.99% + $0.49, and Pay by Bank (ACH) 1% capped at $10.
How to work out what to charge
Switch the calculator to You want to receive. It finds the price that leaves your target after fees. The formula for a single percentage and fixed fee is: price = (amount you want + fixed fee) ÷ (1 − rate). For $100 through PayPal Checkout: (100 + 0.49) ÷ (1 − 0.0349) = $104.12.
PayPal instant transfer fee
Moving money to your bank is free with a standard transfer. Instant transfers cost 1.75% of the amount, at least $0.25 and at most $25.00.
Rates checked October 2026. Sources: PayPal Merchant Fees (last updated October 1, 2026), PayPal Consumer Fees (last updated May 19, 2026). Platforms change fees; confirm in your account before pricing.