Money calculators · Updated
PayPal Fee Calculator
Estimate a fee for a US PayPal account receiving USD, or find the payment needed to reach a target net amount. Choose the actual payment type; the rates are different.
| Net from that payment | $96.02 |
| Payment needed for $100.00 target net | $104.12 |
| Fee on the target payment | $4.12 |
| Net from the target payment | $100.00 |
The estimate rounds fees to the nearest USD cent, with half cents rounded up, then calculates net proceeds. The target payment is the smallest cent amount meeting the target under that model. Actual fee rounding, minimums and account terms can differ. At $0, no transaction is assumed.
Compare fees on a $100 domestic USD payment
These presets use PayPal’s US schedule reviewed on September 5, 2026. Micropayment pricing requires approval. Invoice wallet and card payments use their corresponding payment-method rates.
| Payment type | Rate | Estimated fee | Net |
|---|---|---|---|
| PayPal Checkout | 3.49% + $0.49 | $3.98 | $96.02 |
| Goods & services transfer | 2.99% + $0.00 | $2.99 | $97.01 |
| Standard credit/debit card | 2.99% + $0.49 | $3.48 | $96.52 |
| PayPal Pay Later | 4.99% + $0.49 | $5.48 | $94.52 |
| QR code payment | 2.29% + $0.09 | $2.38 | $97.62 |
| Micropayments (approved plan) | 4.99% + $0.09 | $5.08 | $94.92 |
How the fee and target payment are calculated
Estimated fee = payment × percentage + fixed fee, rounded to cents Estimated net = payment − rounded fee Before rounding, target payment ≈ (target net + fixed fee) ÷ (1 − percentage)
The fixed charge applies once per transaction. For the target-payment result, the calculator searches cent-denominated payment amounts using the same rounded fee calculation. Rounding the fee before subtracting it keeps the fee and net amounts consistent.
Use your account’s actual pricing if it differs from the published preset. The calculator does not include currency conversion, withdrawals, subscriptions, chargebacks or other account charges, and it is not affiliated with PayPal.
Frequently asked questions
Is PayPal Checkout the same rate as sending money for goods and services?
No. The reviewed US schedule lists PayPal Checkout at 3.49% plus a $0.49 USD fixed fee, while Send/Receive Money for Goods and Services is 2.99% without that fixed fee. Select the actual payment type instead of treating every commercial payment as Checkout.
What is the PayPal fee on $100?
For a domestic USD PayPal Checkout payment, the estimate is $3.98, leaving $96.02. Under the calculator’s cent-rounding model, a payment of $104.12 produces $100.00 net. Card, QR and goods-and-services transfer rates differ; the comparison table shows them.
How much are PayPal invoice fees?
The payment method on the invoice matters. The reviewed US schedule lists PayPal/Venmo/Guest Checkout at 3.49% plus $0.49, and standard cards/Apple Pay at 2.99% plus $0.49 for USD. Pay Later and ACH use different rules. The invoice presets here identify the payment method; capped ACH pricing is not modeled.
How do international commercial payments change the fee?
For the listed US commercial and micropayment presets, the reviewed schedule adds 1.50 percentage points to the domestic percentage. Fixed fees here are for USD received. Currency conversion, withdrawals, disputes and other charges are excluded. Do not add the supplement again if your custom percentage already includes it.
Are micropayments always cheaper?
No. Approved micropayment pricing is 4.99% plus $0.09 for domestic USD payments. Compared with the 3.49% plus $0.49 Checkout formula, the fees are equal at about $26.67 before cent rounding. Other payment types have different comparisons. Micropayment pricing requires eligibility and approval; it is not applied automatically by this calculator.
Does this calculate friends-and-family payment fees?
No. Personal payments have separate rules based on location, funding method and currency conversion. This tool models the listed US commercial-payment rates; see PayPal’s consumer fee schedule for personal payments.
Does Form 1099-K show the amount after PayPal fees?
The IRS says Box 1a reports gross payments and is not adjusted for fees, credits, refunds and other listed adjustments. Keep your payment reports and business records when reconciling the form. A reported payment is not automatically taxable income.
Related calculators
Sources and updates
Methods and figures reviewed on . Provider rates and terms can change; check the linked source and your own account terms.
- PayPal, US merchant fees (schedule updated September 1, 2026)
- PayPal, US consumer fees
- IRS, What to do with Form 1099-K: gross payments and adjustments
This calculator gives estimates for information only and is not tax, legal or financial advice. Actual outcomes depend on the assumptions, timing, taxes, fees and terms that apply to you. See how we calculate.