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PayPal fee calculator

For a PayPal business account in the US. The fee on a payment, what lands in your account, and the amount to request if you need to receive a round figure.
You receive
US$96.02
PayPal fee
US$3.98
Ask for this to receive US$100.00
US$104.12

PayPal fees in the US

PayPal Checkout3.49% + $0.49
Standard card payments2.99% + $0.49
International payers+1.5%
Fixed fee in other currenciesEUR 0.39, GBP 0.39, CAD 0.59, AUD 0.59
Currency conversion4% on goods and services in a foreign currency

How it is calculated

Fee = amount × (rate + any international surcharge) + US$0.49.

You receive = amount − fee.

To receive an exact amount, ask for (amount + fixed fee) ÷ (1 − rate). Adding the percentage on top is not enough, because the fee is charged on the larger figure too.

Questions

How much does PayPal charge in the US?

PayPal Checkout: 3.49% + US$0.49 per payment for domestic payers, with a surcharge for international ones.

Who pays the fee?

The seller. You can build it into your prices, but adding a separate surcharge for paying by card or PayPal is restricted in the UK and EU and in some US states.

Is currency conversion included?

No. Converting a payment into another currency carries its own charge on top of the rates above.

If you run WooCommerce

WooFinance subtracts the real payment fee from every WooCommerce order, so profit reports are not overstated by what the gateway kept. WooFinance is our plugin; the calculator above works the same whether you use it or not.

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Where the figures come from

Fee schedule checked on 30 October 2026 against PayPal’s US business fees page (updated 1 October 2026). Platforms change fees with notice, and some (VAT on fees, promotions, account-level pricing) vary by seller — confirm the current figures in your own account before you rely on a result.