PayPal Fee Calculator
PayPal Goods and Services fee calculator, merchant fee calculator & reverse invoice quote tool
PayPal Fee Calculator
Standard US Merchant & Invoicing Rates with Cross-Border Spread
Invoice
$500.00
Fees
-$15.44
3.09% rate
Net Bank
$484.56
96.9% kept
Fee Breakdown Visualizer
Itemized Deductions
Payment Processing
3.0% + $0.49 domestic rate.
-$15.44
3.09% of invoice
Net in Your Bank Account
After all 4 tiers of deductions
$484.56
PayPal Note: 2.99% + $0.49 for domestic standard transactions. International transactions jump to 4.49% + $0.49 plus PayPal applies an estimated 3.5% foreign currency exchange spread on foreign payouts.
Rates verified from official PayPal fee schedule ↗
Live Platform Comparison
All 6 platforms for $500.00 · Domestic · highest payout first
$485.20
-$14.80 (3.0%)
$484.56
-$15.44 (3.1%)
$452.05
-$47.95 (9.6%)
$449.01
-$50.99 (10.2%)
$435.20
-$64.80 (13.0%)
$399.00
-$101.00 (20.2%)
How PayPal Calculates Transaction Fees (2026 Schedule)
PayPal is one of the most widely accepted payment gateways worldwide, but calculating real take-home revenue requires a transparent PayPal fee calculator. When issuing client invoices or receiving commercial payments, deductions depend heavily on origin and currency.
1. PayPal Goods and Services Fee Calculator (2.99% + $0.49)
For payments originating from the United States, PayPal assesses a standard 2.99% + $0.49 fixed fee. On a $100 invoice, you pay $2.99 in percentage fees plus $0.49 fixed, resulting in $3.48 in total deductions and a net deposit of $96.52.
2. PayPal Cross Border Fee Calculator (+1.50% Surcharge)
When a buyer pays using an international non-US PayPal account or foreign card, the processing rate increases to 4.49% + $0.49, representing a 1.50% cross-border premium over domestic rates.
3. Reverse PayPal Fee Calculator: How Much to Charge to Cover Fees
Using our reverse PayPal fee calculator mode ("What to Charge"), sellers can compute the exact gross amount required so that PayPal's deductions leave the exact net amount desired in your bank.
4. Estimated 3.5% Foreign Currency Exchange Spread
When converting foreign currency transactions into your local settlement balance, PayPal adds an estimated 3.5% currency markup above interbank rates.
PayPal Fee FAQs
What is PayPal's standard fee for Goods and Services in 2026? ▾
For US domestic commercial transactions, invoices, and buyer payments, PayPal charges 2.99% plus a $0.49 fixed fee per transaction under its official Goods & Services merchant schedule.
How does the PayPal cross border fee calculator handle international transactions? ▾
International cross-border transactions incur a rate of 4.49% + $0.49. Furthermore, when currency conversion is required, PayPal incorporates an estimated 3.5% hidden foreign exchange markup over wholesale mid-market rates.
How does the reverse PayPal fee calculator work to find how much to charge to cover PayPal fees? ▾
To net an exact target amount N, use the reverse formula: Invoice Quote = (Target Net + $0.49) / (1 - 0.0299). On cross-border sales, the formula adjusts to (Target Net + $0.49) / (1 - 0.0449 - 0.035). Our 'Target Quote' toggle calculates this automatically.
What does a PayPal merchant fee calculator include for business accounts? ▾
A comprehensive PayPal merchant fee calculator accounts for base credit card processing (2.99% + $0.49), merchant invoice processing, international buyer surcharges (+1.50%), and payout settlement costs.
Does PayPal charge a fee to withdraw money to a bank account? ▾
Standard bank transfers (1 to 3 business days) are $0.00 (free). If you choose an Instant Transfer to an eligible debit card or bank account, PayPal charges 1.75% of the transferred balance ($0.25 minimum, $25.00 maximum).
Official PayPal Rates (US)
- Domestic Goods & Services 2.99% + $0.49
- International Surcharge 4.49% + $0.49
- Estimated FX Spread 3.50%
- Standard Bank Payout $0.00 (Free)
- Instant Card Transfer 1.75% ($0.25 - $25)
Compare PayPal vs. Stripe
Stripe's domestic rate is 2.9% + $0.30 vs PayPal's 2.99% + $0.49. On a $1,000 transaction, Stripe saves you approximately $2.80 in merchant fees.
Check Stripe Fee Calculator →Freelance Marketplace Alternative
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