FeeClarity

FeeClarity guide

PayPal Merchant Fee Calculator

Estimate PayPal merchant processing costs for business payments and card-funded transactions.

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.

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.

Merchant fee planning

Merchant fees affect margins, pricing, and invoice strategy. This calculator is built for quick estimates and separates each fee line so finance and operations teams can review the assumptions.

Future provider expansion

The fee engine is provider-agnostic. PayPal is the first implemented provider, and the same structure can support Stripe, Wise, Payoneer, Square, Shopify, Etsy, and eBay calculators later.

Fee source transparency

Where FeeClarity displays actual PayPal fee values, the source is PayPal's published fee documentation and the calculator shows the last verified date. Unsupported markets are clearly labeled rather than estimated from another country's rates.

Frequently Asked Questions

Common questions about FeeClarity estimates and source-backed PayPal fee calculations.

No. FeeClarity is independent and does not use PayPal branding as its own identity.