FeeClarity

Independent - verified against official rates

PayPal Fee Calculator

See exactly what PayPal may charge, what you'll receive, and how the estimate was calculated.

  • Rates verified Aug 8, 2026
  • Published PayPal fee sources
  • Independent and not affiliated with PayPal
  • No payment details collected
  • Calculator runs in your browser
Mode

Estimate

You'll receive$240.78
Estimated PayPal fee$9.22

Effective fee rate: 3.69%

Base processing fee3.49% of gross received amount$8.73
International feeNot applied$0.00
Fixed feeFixed fee for USD$0.49
Estimated currency conversion costNot applied$0.00
Rates verified 2026-08-08Official source

Rate used: 3.49% total applied rate + 0.49 USD

Effective date: 2026-07-15

Why this rate?

This transaction is classified as domestic because the sender and recipient PayPal accounts are in the same market and no international override is selected.

The selected transaction type and recipient country determine the published PayPal fee schedule used for this estimate.

How this was calculated

Estimated fees = gross received amount x 3.49% + 0.49 USD. Net received = gross received amount - estimated fees.

Calculation assumptions

  • Recipient's country: US
  • Sender's country: US
  • Transaction type: commercial
  • Payment currency: USD
  • Receiving currency: USD
  • No exchange rate used
  • Domestic transaction
  • No currency conversion estimate included

Rates last verified: 2026-08-08. Fee source: Official PayPal US merchant fee schedule.

This is an independent estimate based on published PayPal fee information. Actual fees can vary by account type, funding source, merchant agreement, and transaction details.

Understand your result

How the PayPal Fee Calculator Works

FeeClarity separates processing fees, fixed fees, international charges, and estimated currency conversion costs so you can see exactly how a payment is calculated.

How to use the calculator

Enter the payment details

Add the amount, countries, transaction type, and currencies.

Choose the calculation

Estimate what you receive, or solve backward for an exact target amount.

Review the estimate

Check each fee line, assumption, source, and verification date.

Percentage-based processing fee
Fixed transaction fee
International surcharge
Estimated currency conversion cost

Every result also shows the rate used, official source, effective date, verification date, calculation formula, and assumptions.

View calculation methodology

How PayPal Fees Are Calculated

Most PayPal commercial payments combine a percentage-based processing fee with a fixed fee based on the receiving currency.

International transactions may include an additional percentage-based charge. Currency conversion can also add a separate cost when PayPal converts one currency into another.

PayPal Fee Formula

PayPal Fee =

Transaction Amount x Percentage Rate

+ Fixed Fee

+ International Fee, when applicable

+ Currency Conversion Cost, when applicable

= Estimated PayPal Fee

Example with stated assumptions

Payment amount
$1,000
Rate
3.49%
Fixed fee
$0.49
Percentage fee
$34.90
Estimated total fee
$35.39
Estimated amount received
$964.61

Assumes a US recipient, US sender, commercial PayPal Checkout-style payment, USD, and no currency conversion. Rates vary by configuration.

Helpful PayPal Fee Guides

Use these focused guides when you want to understand a specific fee scenario without reading the whole page.

How much will PayPal take?

PayPal fees depend on the payment amount, transaction type, country, currency, and whether the payment is domestic or international.

Calculate PayPal fees

How much should I charge?

Use the reverse calculator to find the amount you need to charge when you want to receive a specific amount after PayPal fees.

Calculate reverse fee

Domestic vs international fees

International payments may include additional charges when sender and recipient PayPal accounts are registered in different markets.

Learn about international fees

Currency conversion fees

Currency conversion is separate from the processing fee and may include a spread in PayPal's exchange rate.

Learn about conversion fees

Built for real payment decisions

Who FeeClarity is for

FeeClarity helps people plan a payment before they send an invoice, accept a customer payment, or compare an international payment route.

Freelancers and consultants

Work backward from the amount you need to receive when preparing a client quote or invoice.

Plan an invoice

Online sellers

See how processing and fixed fees may affect the amount left from a customer payment.

Estimate a sale

International businesses

Separate domestic processing, international charges, and currency conversion when markets differ.

Check a cross-border payment

Anyone checking a payment route

Compare the amount sent with the amount received using visible assumptions and source details.

Open the calculator

PayPal Fee Examples

These examples point back to the calculator because the real fee changes by country, transaction type, currency, and conversion settings.

Illustrative US PayPal commercial payment examples
Gross paymentEstimated feeEstimated amount received
$50.00$2.24$47.76
$100.00$3.98$96.02
$250.00$9.22$240.78

Illustrative examples only: US sender, US recipient, USD, commercial PayPal Checkout-style payment, no currency conversion, and the currently implemented published rule. The source was last verified 2026-08-08. Actual fees can vary by account, product, funding source, and PayPal updates. Use the calculator above for your selected configuration.

Frequently Asked Questions

Common questions about PayPal fees and how FeeClarity calculates them.

How much does PayPal charge per transaction?

PayPal fees vary by country, payment type, transaction type, and currency. FeeClarity uses PayPal's published fee schedules and shows the applicable rate and source with each calculation.

How are PayPal fees calculated?

Most PayPal transaction fees combine a percentage of the payment amount with a fixed fee. International transactions and currency conversion may add separate costs.

How much does PayPal charge for $100?

The fee depends on the sender and recipient countries, transaction type, currency, and payment method. Enter $100 in the FeeClarity calculator to see the applicable fee and assumptions.

How much does PayPal charge for $1,000?

The exact fee depends on the transaction configuration. Use the calculator with $1,000 entered to see the percentage fee, fixed fee, international charges, and estimated amount received.

Does PayPal charge international fees?

PayPal can apply additional percentage-based fees when sender and recipient accounts are registered in different markets. The applicable rate depends on the relevant PayPal fee schedule.

Who pays PayPal fees, the sender or recipient?

For many commercial transactions, the seller or recipient pays the processing fee. The exact cost can depend on the transaction type, funding method, region, and PayPal account terms.

How much should I charge to cover PayPal fees?

Use FeeClarity's reverse calculator. Enter the exact amount you want to receive and the calculator will estimate the gross payment required to cover the applicable fees.

Does PayPal charge a currency conversion fee?

When PayPal converts one currency into another, the exchange rate may include a conversion spread. FeeClarity separates estimated conversion costs from transaction processing fees whenever possible.

Are PayPal fees different by country?

Yes. PayPal maintains different fee schedules across markets and may also group countries into fee regions. FeeClarity uses country-specific rules when verified pricing information is available.

Is FeeClarity affiliated with PayPal?

No. FeeClarity is an independent fee calculation service and is not affiliated with, endorsed by, or sponsored by PayPal.

Related calculators and tools

Need a more specific calculation? Choose the tool that matches your payment.

Independent fee calculations

FeeClarity is independent and is not affiliated with PayPal. Calculations are estimates based on published fee schedules and may vary by account, country, transaction type, payment method, currency conversion, or merchant agreement.

PayPal is a trademark of its respective owner.

PayPal rates last verified: 2026-08-08