PayPal Fee Calculator
Calculate PayPal fees for US transactions. See how much you receive after fees, or use the reverse calculator to determine how much to charge so you get the exact amount you need.
You Receive
$96.02
| Breakdown | Amount |
|---|---|
| Payment Amount | $100.00 |
| PayPal Fee | $3.98 |
| You Receive | $96.02 |
| Effective Rate | 4.0% |
How PayPal Fees Work
PayPal's standard US commercial transaction fee is 3.49% plus a fixed fee of $0.49 per transaction. The fee has two parts: a percentage of the total and a fixed charge regardless of amount. This means smaller transactions lose a higher percentage to fees.
For example, on a $100 payment: 3.49% = $3.49 + $0.49 = $3.98 total fee. You receive $96.02. On a $10 payment, the fee is $0.84 — over 8% effective rate.
PayPal Fee Examples
| Payment | Fee | You Receive |
|---|---|---|
| $25 | $1.36 | $23.64 |
| $100 | $3.98 | $96.02 |
| $500 | $17.94 | $482.06 |
| $1,000 | $35.39 | $964.61 |
Frequently Asked Questions
What is the PayPal fee rate in the US?
For standard commercial transactions, PayPal charges 3.49% + $0.49 per transaction. Rates may differ for micropayments, international transfers, or PayPal Pal payments.
Does PayPal charge fees for personal payments?
Sending money to friends and family using your PayPal balance or bank account is free domestically. Fees apply if you use a credit or debit card.
Who pays the PayPal fee?
The seller (person receiving money) pays the fee. PayPal deducts it before depositing the remainder. Buyers pay the full amount.
How do I calculate the reverse fee?
To receive exactly $500, divide ($500 + $0.49) by (1 - 0.0349) = $518.73. Request this amount and you will receive $500 after fees.
Important Disclaimer
The figures provided by this calculator are estimates based on the information you enter and published rates at the time of writing. They do not constitute financial, tax, or legal advice, and we accept no liability for decisions made on the basis of these estimates. Your actual liability may differ depending on your individual circumstances, applicable reliefs, and any changes to rates or legislation. Always consult a qualified professional or check the latest IRS guidance at irs.gov before making financial decisions.
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