Current PayPal fees in the United States
| Payment type | Percentage rate | Fixed fee | Applicable market | Notes | Last verified |
|---|---|---|---|---|---|
| Goods & Services | 2.99% domestic + 1.50% international | Not applied | United States | US merchant fee schedule lists 3.49% + fixed fee for PayPal Checkout, PayPal Guest Checkout, Pay with Venmo, and all other commercial transactions; 2.99% for Send/Receive Money for Goods and Services; 2.99% + fixed fee for standard credit and debit card payments; and a 1.50% additional international commercial transaction fee. | 2026-08-08 |
| Invoice | 3.49% domestic + 1.50% international | Currency-specific | United States | US merchant fee schedule lists 3.49% + fixed fee for PayPal Checkout, PayPal Guest Checkout, Pay with Venmo, and all other commercial transactions; 2.99% for Send/Receive Money for Goods and Services; 2.99% + fixed fee for standard credit and debit card payments; and a 1.50% additional international commercial transaction fee. | 2026-08-08 |
| Commercial payment | 3.49% domestic + 1.50% international | Currency-specific | United States | US merchant fee schedule lists 3.49% + fixed fee for PayPal Checkout, PayPal Guest Checkout, Pay with Venmo, and all other commercial transactions; 2.99% for Send/Receive Money for Goods and Services; 2.99% + fixed fee for standard credit and debit card payments; and a 1.50% additional international commercial transaction fee. | 2026-08-08 |
| Merchant card payment | 2.99% domestic + 1.50% international | Currency-specific | United States | US merchant fee schedule lists 3.49% + fixed fee for PayPal Checkout, PayPal Guest Checkout, Pay with Venmo, and all other commercial transactions; 2.99% for Send/Receive Money for Goods and Services; 2.99% + fixed fee for standard credit and debit card payments; and a 1.50% additional international commercial transaction fee. | 2026-08-08 |
How US PayPal fees are determined
Transaction type
Different PayPal products can use different percentage rates.
Fixed fee
The fixed portion can vary with the receiving currency.
International status
Cross-border payments may add international charges.
Currency conversion
Currency conversion is separate from the processing fee.
Custom pricing
Some merchants may have account-specific pricing that differs from standard published rates.
Before relying on a fee rate, verify
Confirm the details that affect which published rule applies.
- Domestic processing rate
- International surcharge
- Fixed fee for the receiving currency
- Payment method eligibility
- Currency conversion treatment
- Account-specific or custom pricing
Common US examples
$100 domestic commercial payment
- Amount
- $100.00
- Rate used
- 3.49% total applied rate + 0.49 USD
- Total fee
- $3.98
- Estimated received
- $96.02
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.
Source$1,000 domestic commercial payment
- Amount
- $1000.00
- Rate used
- 3.49% total applied rate + 0.49 USD
- Total fee
- $35.39
- Estimated received
- $964.61
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.
SourceUS recipient receiving an international payment
- Amount
- $1000.00
- Rate used
- 4.99% total applied rate + 0.49 USD
- Total fee
- $50.39
- Estimated received
- $949.61
Recipient's country: US; Sender's country: CA; Transaction type: commercial; Payment currency: USD; Receiving currency: USD; No exchange rate used; International fee applied; No currency conversion estimate included.
SourceVerified rate source
FeeClarity uses published PayPal documentation where verified fee data is available. Unsupported markets are clearly identified rather than estimated using another country's fee schedule.
Applicable market: United States
Last verified: Aug 8, 2026
Frequently Asked Questions
No. This page shows only US PayPal rules that are verified and implemented in FeeClarity. Account-specific pricing and unsupported products are not estimated.
Not always. Some supported US payment types do not apply a fixed fee in the current rule set, while others use currency-specific fixed fees.
Yes. Some accounts may have custom pricing, so FeeClarity's published-rate estimates should be confirmed inside PayPal for final decisions.
FeeClarity is an independent estimation tool and is not affiliated with PayPal. PayPal is a trademark of its owner. Actual fees may vary by country, account type, transaction type, funding source, currency conversion, merchant agreement, and other transaction details.