How PayPal fees are structured
PayPal commonly charges a percentage of the payment plus a fixed fee per transaction. The defaults here, 3.49% plus $0.49, reflect a common rate for checkout payments in the US, but rates differ by product, country and agreement, and PayPal changes them from time to time. Always confirm your real rate on PayPal’s official fee page.
Cross-border payments often carry an extra percentage, and converting between currencies adds a spread on top of the exchange rate. Both have their own fields, so you can include them when they apply.
Two ways to use the calculator
Choose the first mode to enter an amount a customer pays and see the fee and what you receive. Choose the second mode to enter the net amount you want and see what to request. The second mode divides the net plus the fixed fee by one minus the total percentage, so the fee itself is covered.
Remember that passing fees on to customers is restricted in some regions and platforms, so check the rules that apply to you.
Frequently asked questions
How much does PayPal take from a $100 payment?
With 3.49% plus $0.49, the fee is $3.98 and you receive $96.02. Your own rate may differ.
How do I receive an exact amount after fees?
Use the request mode. Enter the amount you want to receive and the calculator shows what to charge.
Are the default fees always right?
No. They are an example. Update the percentage and fixed fee to match your PayPal account.
Does this include currency conversion?
It includes a conversion spread if you enter one. Check PayPal’s current rate for conversions.
How much does PayPal take from a $50 payment?
At 3.49% plus $0.49, the fee is about $2.24 and you receive about $47.76. Your own rate may differ.
How much do I need to request to receive $100?
At 3.49% plus $0.49, request about $104.12. Use the request mode to calculate it for your own rates.
Can I pass PayPal fees on to my customers?
Rules differ by country and platform, and surcharging is limited in some places. Often the simpler way is to build the fee into your price.