PayPal fee calculator
What PayPal's published US rates keep from a payment you receive, what sending to friends and family and an instant transfer cost, and what to ask for when you need an exact amount to arrive.
$97.01
reaches you
$2.99PayPal fee (2.99% of the amount)
Receiving $100.00 from a payer in the US as Goods and Services payment: PayPal’s published rate keeps $2.99, and $97.01 reaches you.
- 2.99% × $100.00 = $2.99
- Fee, rounded to the cent: $2.99
What decided this: the payment type. Goods and Services payments carry no fixed fee.
PayPal's published US rates
| Transaction | Rate |
|---|---|
| Goods and Services payment | 2.99% |
| PayPal Checkout (PayPal, Venmo or guest checkout) | 3.49% + $0.49 |
| Standard credit and debit card payments | 2.99% + $0.49 |
| PayPal Pay Later | 4.99% + $0.49 |
| All other commercial transactions | 3.49% + $0.49 |
| Invoice paid by PayPal, Venmo or guest checkout | 3.49% + $0.49 |
| Invoice paid by card, Apple Pay or another wallet | 2.99% + $0.49 |
| Invoice paid with PayPal Pay Later | 4.99% + $0.49 |
| Invoice paid by bank (ACH) | 1%, capped at $10.00 |
| Friends and family, paid by card | 2.9% + $0.30 |
| Friends and family, from balance or bank | No fee |
| Instant transfer from a personal account | 1.75%, minimum $0.25, maximum $25.00 |
| Instant transfer from a business account | 1.5%, minimum $0.50, no maximum |
Where the numbers come from
- Rates and fixed fee
- PayPal merchant fees, page dated 2026-09-01, read 2026-09-13.
- Personal transactions
- PayPal consumer fees, page dated 2026-05-19.
- Checked
- The rate text is re-read from PayPal's page before publishing, and the arithmetic is run against worked cases, including the price that nets exactly $100.00.
- Rounding
- Not published by PayPal. Stated on the page as an assumption; no fixture sits on a half cent.
Not affiliated with or endorsed by PayPal. PayPal is a trademark of PayPal, Inc., named here only to identify the fees being calculated.
What this does not decide
- Currency conversion, which PayPal prices as a spread of 3% to 4%.
- Negotiated or volume rates on your account.
- Dispute and chargeback fees.
- Sending to friends and family outside the US, which adds an international fee.